e-Jurnal STIE Pasaman (Sekolah Tinggi Ilmu Ekonomi)
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PENETRATION OF ISLAMIC FINTECH MODEL IN PROMOTING THE ACCELERATION OF MSMES IN THE EASTERN COASTAL OF ACEH
No full textThis study aims to find ways to introduce Islamic fintech that fit the social, cultural, and economic needs of SMEs in Aceh’s eastern coastal area. The main goal is to support financial and digital inclusion and improve literacy. This research is important because coastal SMEs rarely use Islamic fintech. The main reasons are limited internet access, weak digital infrastructure, and low worker readiness, even though Aceh’s strong religious culture supports Islamic financial products.This research uses both exploratory and descriptive methods. It brings together secondary data from Otoritas Jasa Keuangan and Badan Pusat Statistik reports, along with academic literature, and primary data from interviews and questionnaires. Key informants include people from Bank Syariah Indonesia, Bank Aceh, coastal salted fish SMEs, local government agencies, and Islamic fintech service providers. The data were analyzed using an interactive model, then reviewed using a SWOT analysis.The results show that Islamic fintech can improve access to financial services and help coastal SMEs grow. However, its use is still limited by poor digital access and low financial and digital literacy. The SWOT analysis points to a model with three main pillars: improving digital access, increasing SME literacy and mentoring, and strengthening regulatory cooperation and the Islamic financial ecosystem. These steps are meant to make Islamic fintech more relevant and sustainable for local SMEs
THE INFLUENCE OF TOTAL QUALITY MANAGEMENT AND SUPPLY CHAIN MANAGEMENT ON THE OPERATIONAL PERFORMANCE OF USED CAR SHOWROOMS IN PEKANBARU: THE ROLE OF COMPETITIVE ADVANTAGE AS A MEDIATING VARIABLE
No full textThis study aims to analyze the effect of Total Quality Management (TQM) and Supply Chain Management (SCM) on organizational performance (OP) with competitive advantage as a mediating variable in used car showrooms in Pekanbaru. Using a Partial Least Squares (PLS)-based Structural Equation Modeling (SEM) approach, this study tests five main hypotheses that link these constructs. The results of the hypothesis testing show that competitive advantage plays an important role in improving organizational performance, while TQM and SCM are proven to have a significant influence on competitive advantage. SCM and CA significantly improve organizational performance, while TQM does not show a significant direct influence on organizational performance or competitive advantage. This study provides important insights for used car showrooms in Pekanbaru to utilize TQM and SCM in designing more efficient operational strategies and improving competitive advantage to face increasingly fierce competition. These findings also contribute to the literature on quality management and supply chain in the Indonesian automotive industry, as well as providing practical directions for improving company performance and competitivenes
THE ROLE OF PSYCHOLOGICAL CAPITAL IN EXPLAINING STUDENT SATISFACTION: INTEGRATING LEARNING GOAL ORIENTATION, POSITIVE EMOTIONS, AND MENTAL HEALTH
No full textStudent satisfaction has become a critical indicator of higher education quality, particularly in the context of increasing psychological demands faced by university students. This study aims to examine the structural relationships among mental health, psychological capital, positive emotions, learning goal orientation, and student satisfaction. Using a quantitative research design, data were collected from 165 university students through a structured questionnaire. The constructs of mental health, psychological capital, positive emotions, learning goal orientation, and student satisfaction were measured using validated indicators. Data were analyzed using Partial Least Squares–Structural Equation Modelling (PLS-SEM) to test the proposed research model and hypothesized relationships.
The results demonstrate that learning goal orientation and positive emotions have significant positive effects on psychological capital. Psychological capital also shows a strong positive influence on mental health and student satisfaction. Furthermore, the mediation analysis confirms that psychological capital significantly mediates the relationship between learning goal orientation and student satisfaction.
These findings highlight psychological capital as a central mechanism linking motivational, emotional, and mental health factors to student satisfaction. The study contributes to the higher education and positive psychology literature by providing an integrative model supported by empirical evidence. Practically, universities are encouraged to promote learning-oriented environments, enhance positive emotional experiences, and support students’ mental health to strengthen psychological capital and improve student satisfaction
COASTAL RESOURCE MANAGEMENT BY RURAL WOMEN FOR BLUE ECONOMY IN PENGUJAN, BINTAN REGENCY
No full textThe implementation of the Blue Economy concept is highly significant for archipelagic nations such as Indonesia. However, the role of women in coastal and marine resource management often lacks adequate attention and recognition, including in Pengujan Village, Bintan Regency. This research aims to deeply examine the role of women in Pengujan Village in managing coastal resources toward realizing the Blue Economy. The study adopts a qualitative methodology. Data collection techniques include semi-structured interviews, non-participant observation, and documentation. A purposive sampling technique was used to select eight informants. The findings reveal that the coastal resources involving women in their management are marine animals, beaches, and marine plants. The women's roles in resource management encompass sourcing, processing, marketing, and maintenance. Several factors support their role in coastal management, including the government, family, private sector, and peers. Conversely, constraining factors include weather conditions, economic constraints, security issues, management skills, resource scarcities, family constraints, and equipment limitations. Based on these findings, it is recommended that the Pengujan Village government enhance women's understanding of the Blue Economy and coordinate with the regional government to improve the management and marketing skills of women in Pengujan Village
OPTIMIZATION STRATEGY FOR CARBON TAX IN SUPPORTING THE 2060 NET ZERO EMISSION TARGET
No full textThis study analyzes the role of the carbon tax as an environmental fiscal policy instrument in supporting Indonesia’s Net Zero Emission (NZE) 2060 target. The carbon tax functions not only as a source of state revenue but also as an emission control tool encouraging industries to adopt cleaner energy. Using a qualitative descriptive and evaluative approach, the study reviews literature, government regulations, and corporate sustainability reports. The findings reveal that implementation challenges persist, including industrial readiness, emission monitoring systems, and policy coordination. However, with progressive tax rates, revenue allocation for renewable energy, and just transition mechanisms, the carbon tax can effectively support sustainable development. The study concludes that a well-designed and equitable carbon tax policy can strengthen Indonesia’s transition toward a low-carbon economy and the NZE 2060 goa
ANALYSIS OF THE EFFECT OF ACCOUNTING UNDERSTANDING, ACCOUNTING INFORMATION SYSTEMS, AND ORGANIZATIONAL CULTURE ON THE QUALITY OF MSME FINANCIAL REPORTS
No full textThis study aims to examine the influence of accounting knowledge, accounting information systems, and organizational culture on the quality of financial statements in Micro, Small, and Medium Enterprises (MSMEs). The background of this study is based on the importance of quality financial statements as a basis for decision making and a form of accountability in MSME financial management. The research method used is a quantitative approach with data collection through the distribution of questionnaires to MSME actors in Indonesia. The collected data was then analyzed using multiple linear regression techniques to see the relationship and influence between variables. The results show that accounting knowledge has a significant effect on financial statements. Similarly, accounting information systems have a significant influence on improving the quality of financial statements. In addition, organizational culture also has a significant impact on the quality of MSME financial statements. These findings emphasize the importance of improving the competence of MSME actors in the field of accounting, implementing appropriate accounting systems, and establishing an organizational culture that upholds integrity and accountability. Further research is recommended to add other relevant variables and use mixed methods for more comprehensive results
THE ROLE OF ORGANIZATIONAL JUSTICE, ORGANIZATIONAL SUPPORT AND ORGANIZATIONAL COMMITMENT TOWARDS IMPROVING EMPLOYEE PERFORMANCE AT CV BINA FURNITURE PEKANBARU
No full textEmployee performance has become an essential indicator of organizational success, particularly in competitive industries such as the furniture sector, where productivity, quality of work, and responsibility strongly determine business sustainability. The importance of understanding factors that shape employee performance is increasingly relevant because many small and medium-sized enterprises face challenges related to fairness, limited organizational support, and fluctuating employee commitment. This study aims to analyze the influence of organizational justice, organizational support, and organizational commitment on employee performance at CV Bina Furniture Pekanbaru. Using a quantitative approach supported by structural equation modeling, the study evaluates how perceptions of fairness, support from management, and the psychological attachment of employees interact in shaping performance outcomes. The findings reveal that organizational justice positively contributes to improving employee performance and strengthens employee commitment. Organizational support also demonstrates a significant role in enhancing performance as well as reinforcing employee commitment toward the organization. Furthermore, organizational commitment is proven to be a strong predictor of employee performance, indicating that employees with higher emotional attachment tend to show better work outcomes. These results highlight the need for managerial policies that ensure fairness, provide adequate support, and foster commitment to optimize performance in small and medium-scale enterprises
MANAGEMENT POLICIES AND OHSMS IMPLEMENTATION: A CASE STUDY OF PT CAHAYA AGUNG DIRGAYASA
No full textThis study aims to analyze the implementation of the Occupational Safety and Health Management System (OSHMS) program and the role of management policies on employee performance at PT Cahaya Agung Dirgayasa, a high-risk construction company. Using a qualitative method through a case study approach, data were collected through interviews, observations, and documentation from three key informants representing the strategic, managerial, and operational levels. Thematic analysis results indicate that the company has a structured OSHMS policy framework, encompassing mandatory PPE use and Toolbox Meetings. However, its implementation still faces significant obstacles, namely low employee awareness and understanding, inconsistent training programs, and the absence of dedicated OSH experts (safety officers). Despite these challenges, the implementation of the OSHMS has been proven to have a real positive impact. This includes increased motivation and work discipline, operational efficiency through reduced non-technical costs due to accidents, and a significant decrease in the number of work incidents. These findings confirm that management commitment to strengthening OSH culture is a crucial factor in optimizing employee performance
THE INFLUENCE OF PRODUCT QUALITY, PRICE, AND BRAND IMAGE ON ELECTRIC CAR PURCHASING DECISIONS IN PEKANBARU CITY
No full textThis study aims to analyze the influence of product quality, price, and brand image on electric car purchasing decisions in Pekanbaru City. The increasingly rapid growth of electric vehicles indicates a shift in consumer preferences toward environmentally friendly products, but electric car purchasing decisions are still influenced by various internal and external factors. This study used a quantitative approach by distributing questionnaires to 100 respondents who had purchased electric cars. The analysis techniques used included validity and reliability tests, classical assumptions, and multiple linear regression. The results showed that product quality, price, and brand image each had a positive and significant influence on purchasing decisions. Simultaneously, all three variables were also proven to have a significant influence on consumer purchasing decisions. These findings confirm that consumer decisions in purchasing electric cars are influenced by their perceptions of product performance, the suitability of price to benefits, and brand reputation. This study has implications for automotive companies to improve quality, adjust pricing strategies, and strengthen brand image to encourage market penetration of electric cars in Indonesi
IDENTIFICATION OF CONSUMER PERSPECTIVES ON DISCOUNT OFFERS AT DAKNALGAE RESTAURANT GADING SERPONG
No full textThis study aims to identify consumer perspectives on discount offers and their influence on consumer behavior at Daknalgae Restaurant Gading Serpong. Using a qualitative approach, the research employs in-depth interviews with customers and the restaurant owner to gain insights into how discounts are perceived in relation to consumer behavior, perception, and loyalty. The findings reveal that discount offers can increase consumer interest in trying products, expand market reach, and encourage repeat visits. However, long-term dependence on discount strategies may lower consumers’ perception of product quality and create loyalty that is solely price-driven. Therefore, discount strategies should be balanced with improvements in product quality and service to foster sustainable consumer loyalty