Rumah Jurnal Institut Pesantren KH. Abdul Chalim
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Consumer’s Perception of Organic Vegetables Traceability in Jabodetabek
Get PDFOrganic vegetables are one of the choices in ensuring safe and quality food that is beneficial for health. However, efforts to ensure organic vegetables that are free from pesticides or other chemicals must still be made as an effort to improve the quality of life. The purpose of this study was to determine customer perceptions of food traceability information on organic vegetables. The method used by the researcher was a quantitative method with descriptive statistical and perceptual analysis. Data were obtained by distributing questionnaires via Google Form. The technique used in selecting respondents was convenience sampling. Perceptions of food traceability information were assessed through five variables, namely informativeness, trustworthiness, food safety, reliability, product diagnosticity. Food traceability information on organic vegetables was rated very high on the five attributes of traceability information, namely informativeness, trustworthiness, food safety, reliability and product diagnosticity. The results showed that there was a significant difference between men and women in assessing the five attributes. Female respondents tended to rate the five attributes of traceability information on organic vegetables lower than male respondents. Suggestions for further research are that the objects used can be replaced with other food products or other research areas
Implementation of Sharia Micro-Financing in Bank Syariah Indonesia Surabaya
Get PDFSharia microfinancing is considered a strategic instrument in supporting inclusive finance and the growth of MSMEs (Micro, Small, and Medium Enterprises) as the backbone of the national economy. However, this instrument remains limited by financing access, the sharia financial literacy, and technology utilization; thus, a sustainable and effective financing ecosystem model should be developed. This study aims to describe the sharia microfinancing ecosystem model and the distribution practices of microfinancing on MSMEs of Bank Syariah Indonesia (BSI) Surabaya HR Muhammad 1 Branch by utilizing a qualitative approach and case study methods. The result demonstrates that sharia micro financing in BSI involves diverse actors, including the bank, MSME clients, regulatory bodies, and business communities; by implementing sharia principles, for instance, transactions without riba (usury), maisir (speculation), or gharar (uncertainty), as well as using murabaha (cost-plus financing) and musharakah (sharing and partnership financing) agreement. Some products offered are Sharia KUR (People’s Business Credit) and Micro Business BSI - non KUR (non-PBC), with a credit ceiling up to IDR 500 millions. They are also supported by digital innovation, such as the I-Kurma application and the BSI Agent program. The financing scheme implementation positively affects MSMEs' growth, as observed through increasing sales volume and business expansion. However, some challenges remain present, such as a low level of literacy within the society regarding Sharia financing products and administrative problems in the digitalization process. Therefore, this research recommends BSI to advance its sharia financial education program, optimize its digital system, and strengthen risk management to improve the efficiency of sustainable sharia micro financing
Implementation of E-Learning and Organizational Commitment Towards the Performance of KPPS Members (Voting Organizing Group) in the 2024 Election in Cirebon Regency
Get PDFThis study aims to analyze the effect of E-Learning and Organizational Commitment on the Performance of KPPS (Polling Organizing Group) members in the implementation of the 2024 Election in Cirebon Regency. In the context of increasing challenges and complexities in the implementation of elections, strengthening human resource capacity through digital training and strengthening commitment to the organization is crucial. The research method used is quantitative with data collection techniques through questionnaires to 150 KPPS member respondents. The results of the analysis show that both E-Learning and Organizational Commitment partially and simultaneously have a significant effect on the performance of KPPS members. E-Learning has been shown to improve understanding of material and work efficiency, while Organizational Commitment encourages emotional involvement and moral responsibility for tasks. These findings indicate that the combination of technology-based training and internalization of organizational values can increase the effectiveness and professionalism of election organizers. This study suggests the importance of optimizing e-learning platforms and strengthening commitment strategies to support the success of future elections
Development of Retail Clothing Business Strategies in Traditional Markets of Cibinong in the Post-COVID-19 Era
Get PDFPasar Cibinong in Bogor Regency plays a crucial role in the local economy. However, traditional market traders, particularly clothing retailers, face significant challenges in the post-COVID-19 era, including reduced consumer purchasing power and increasing competition from e-commerce platforms. This study aims to (1) identify the condition of clothing retailers during and after the COVID-19 pandemic, (2) analyze internal and external factors influencing business development, (3) formulate strategies to enhance competitiveness, and (4) determine strategic priorities. A mixed-methods approach was employed, combining qualitative and quantitative data. Qualitative data were obtained through in-depth interviews with five respondents (three clothing retailers and two market managers) and direct observation. Quantitative data were collected via questionnaires distributed to 30 consumers. SWOT analysis was used to examine internal and external factors, while the Analytical Hierarchy Process (AHP) determined strategy priorities. Findings show that COVID-19 significantly reduced retailers' incomes. Although the number of traders increased post-pandemic, consumer purchasing power remains low. Retailers benefit from strengths such as strong social interaction and flexible pricing, but struggle with limited technological adoption. SWOT analysis revealed opportunities like Pasar Cibinong’s strategic location and consumer trust, and threats from online competition. Four main strategies were formulated: Horizontal Integration of Traders, Cibinong Go Digital, Cibinong Easy Pay, and Cibinong Comfortable Shopping. AHP results ranked Cibinong Go Digital as the top priority (weight: 0.49), emphasizing digital integration and training. The implementation of Cibinong Go Digital is expected to improve competitiveness, requiring comprehensive support from market authorities and local government, alongside community participation
Root Cause Analysis of the Decline in Surplus Earnings at Koperasi Bina Warga in 2024
Get PDFThis study aims to analyze the factors and root causes contributing to the decline in Surplus Earnings at Koperasi Bina Warga in the 2024 period. A descriptive qualitative method with a case study approach was employed to identify and analyze these contributing factors. Data were collected through in-depth interviews with the cooperative’s chairperson, secretary, and treasurer, and were further supported by documentation and direct observation. The results indicate that the decline in SHU was caused by a decrease in member loan activity, low member participation, a high rate of non-performing loans, restrictions on savings, and a reduction in the number of cooperative members. Through the application of Root Cause Analysis using the 5 Why Analysis and Fishbone Diagram approaches, the decline in loan activity was identified as the primary root cause. Data validity was ensured through the use of methodological triangulation, source triangulation, and time triangulation. The study recommends optimizing loan services, enhancing member participation, controlling non-performing loans, and developing digital services to strengthen cooperative performance and increase future surplus earnings
The Influence of Brand Image and Brand Trust on the Decision to Purchase XL Axiata Data Packages in Pontianak
Get PDFThis study aims to determine the effect of brand image and brand trust on purchasing decisions for XL Axiata data packages in Pontianak City. The background of this study is the rapid development of the telecommunications industry, the importance of consumer perceptions of brands, and increasingly tight competition between service providers. This study uses a quantitative approach with 100 respondents selected through a purposive sampling method. Data were collected through questionnaires and analyzed using validity, reliability, classical assumptions, and multiple linear regression tests with the SPSS version 25.0 application. The results showed that brand image and brand trust had a significant and positive effect on purchasing decisions. Brand image was measured through indicators of identity, personality, association, and brand behavior, while brand trust was assessed based on brand characteristics, company credibility, and friendship between consumers and brands. The regression results showed a correlation value of R = 0.718, which means a strong relationship, and a determination coefficient value of R² = 0.515, which means that both variables explain 51.5% of the variation in purchasing decisions. The results of the t-test show that brand image (t = 4.346; sig. = 0.000) and brand trust (t = 3.418; sig. = 0.001) have a significant partial effect. The F test (F = 32.912; sig. = 0.000) proves that there is a simultaneous effect.y offers a unique perspective on community-driven poverty alleviation strategies
Investment Trends Among Young Generation: Exploring Motivation and Educational Influence of Gen Z and Millennials
Get PDFThis study aims to analyze how motivation and education affect investment interest among the younger generation, especially Generation Z and Millennials, which shows a dominance trend in capital market investment activities in Indonesia. With economic growth and the rapid development of digital technology, the younger generation now has wider and easier access to applicable information and investment instruments. This study utilizes a quantitative method with a population consisting of students of Gunung Jati Swadaya University Cirebon. Data was obtained through a questionnaire distributed to 157 respondents and analyzed using SmartPLS 3.0. The results of the analysis show that investment motivation and education have a positive and significant influence on investment interest. This suggests that the higher the level of motivation and education an individual receives, the greater their inclination to invest in the capital market. The implications of this study show the importance of providing inclusive and adaptive financial education to the characteristics of the younger generation. This research also provides strategic input for financial industry players and the government in designing future education programs that are able to arouse the interest and participation of the younger generation in the capital market. However, the limitations of this study include the narrow scope of respondents and approaches that do not capture changes in long-term dynamics, so further and in-depth follow-up research is needed
The Role of Profitability in the Influence of E-Commerce Implementation and Financial Accounting Standards on Enhancing the Competitiveness of Micro, Small, and Medium Enterprises (MSMEs)
Get PDFThis study aims to analyze the influence of e-commerce implementation and the Financial Accounting Standards for Micro, Small, and Medium Entities (SAK EMKM) on enhancing MSMEs’ competitiveness, with profitability as a moderating variable. In the face of the digital era and increasing market competition, MSMEs are required to adapt by utilizing information technology and improving financial governance. The research method used is quantitative, employing a survey approach involving a number of MSME actors. The results show that both e-commerce implementation and SAK EMKM have a positive and significant effect on improving MSME competitiveness. Furthermore, the profitability variable is proven to strengthen the relationship between e-commerce and competitiveness, but does not enhance the relationship between SAK EMKM and competitiveness. These findings align with Contingency Theory, which states that the effectiveness of a strategy depends on its alignment with an organization’s internal and situational conditions. In the context of MSMEs, the success of digital and accounting strategies is highly influenced by technological readiness, leadership quality, and the financial condition of the business. This study provides practical implications for MSME actors, the government, and other stakeholders in formulating business development strategies amidst digital economic transformation
The Influence of Digital Marketing, Destination Image, and Facilities on Visitor Satisfaction in Islamic Business Perspective
Get PDFThis study aims to analyze the influence of Digital Marketing, destination image, and facilities on Visitor decisions in Lanakila Lake Pringsewu tourism, in the perspective of Islamic Business. This study uses a quantitative approach. The population used by a total of 4000 tourist visitors Lanakila Lake and by Slovin formula was selected 98 respondents. Based on the test results that have been done, there are findings that can be concluded that Digital marketing has a positive and significant effect on visitor satisfaction, destination image has a positive and significant effect on visitor satisfaction and facility variables have a positive and significant effect on visitor satisfaction. And in the view of Islamic business when all three aspects are run in an integrated manner with Islamic values, visitors will feel satisfaction not only in terms of physical and emotional, but also spiritual which must contain two main principles in Islamic business, namely amanah (carrying out responsibilities correctly) and ‘adl (upholding justice.)
An Investigation into the Impact of Organizational Culture and Leadership Style on Employee Performance, With Job Satisfaction Serving as an Intervening Variable (A Case Study of BPJS Employment in Serang City)
Get PDFThis research aims to test the analysis of organizational culture factors and leadership style through job satisfaction as an intervening variable on the performance of BPJS Employment Employees in Pekanbaru City. The analytical technique used to analyze the effects of intervening variables is the path analysis method, with several tests carried out, including, validity test, reliability test, descriptive analysis, classic tests which include multicollinearity tests, autocorrelation tests, heteroscedasticity tests, and normality tests. The population and sample in this research were 162 BPJS Employment employees in Pekanbaru City. The results of the path analysis prove that Organizational Culture has an indirect positive and significant influence on the Performance of BPJS Employment Employees in Pekanbaru City which is mediated by Job Satisfaction. This is evident from the results of the t test where the t-count of 2.164 for Organizational Culture is greater than the t-table of 1.990. Meanwhile, Leadership Style has an indirect positive and significant influence on the Performance of BPJS Employment Employees in Pekanbaru City which is mediated by Job Satisfaction. This is evident from the results of the t test where the t-count of 2.103 for Leadership Style is greater than the t-table of 1.990