Rumah E-Journal Citakonsultindo (CV. CITA UTILITAS UTAMA)
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The Effectiveness of the Self-Help Housing Stimulant Assistance Program (BSPS) in Bandar Lampung City
Get PDFThis study aims to analyze the effectiveness of the Self-Help Housing Stimulant Assistance Program (BSPS) in improving the social and economic conditions of low-income communities (MBR) in Bandar Lampung City. The method employed is a descriptive quantitative approach focusing on three dimensions of effectiveness: input, process, and outcome. The research sample consisted of 67 heads of households who were BSPS beneficiaries in 2023. Results indicate that in terms of input, funding and material support were relatively sufficient; however, delays in material distribution due to logistical issues were frequently encountered. The process aspect demonstrated active community participation through mutual cooperation (gotong royong), although technical supervision and time management were suboptimal. As for outcomes, improvements were observed in the physical condition of housing and the health status of beneficiaries. However, economic impacts were not yet significant, as most recipients had not experienced income or productivity growth. Therefore, the program is considered moderately effective in physical and social aspects, but it needs to be strengthened with integrated economic empowerment strategies to ensure sustainable benefits
The Mediating Effect Of Financial Performance On The Influence Of Capital Assistance (Dumisake Program), Mentoring, And Training On Msme Performance In Jambi City
Get PDFThis study aims to examine and explain the effects of working capital assistance (Dumisake program), mentoring, and training on the performance and financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Jambi City. In addition, the study analyzes the mediating role of financial performance in the relationship between these three variables and MSME performance. This research employs a quantitative approach using a survey method involving 93 MSMEs that received working capital assistance through the DUMISAKE Program in 2023 and 2024. Data were analyzed using the Partial Least Squares (PLS) method. The results reveal that working capital assistance does not have a positive and significant effect on MSME performance. Conversely, mentoring and training have a positive and significant effect on MSME performance. Working capital assistance, mentoring, and training positively and significantly affect financial performance. Furthermore, financial performance is proven to have a positive and significant effect on MSME performance. The mediation test indicates that the effect of working capital assistance on MSME performance through financial performance is not significant, while mentoring and training are found to have a positive and significant effect on MSME performance through financial performance.
 
Analysis of Green Coffee Beans Export Development Strategy through Business Model Canvas: Case Study on CV Malabar
Get PDFCoffee is a strategic commodity in Indonesia that has great export opportunities, especially green coffee beans. Global demand for specialty coffee has increased along with changes in lifestyle and consumption patterns of the world community. CV Malabar has great potential in m specialty arabica coffee exports. This research examines the business development strategy of green coffee beans exports at CV Malabar, which previously focused on the domestic market. The research method used is a qualitative and quantitative approach with data collection techniques through direct observation, interviews, and documentation. The analysis approach involved Business Model Canvas (BMC), SWOT, and financial feasibility an
alysis. SWOT analysis was used to assess business potential and prospects, while financial feasibility was analyzed through profit and loss projections and R/C ratios.
The results identified that CV Malabar's value proposition is strengthened through the "six- precision" guarantee and product quality certification, complementing the recognized authenticity of Java Preanger single origin coffee. The study recommends key development strategies on key partners, key activities, and key resources such as partnerships with forwarders, SCAA quality certification, and strengthening human resources and infrastructure. In addition, optimization of customer segments, customer relationships, and channels through the addition of international importer segments, digital customer services, and social media/website optimization are also proposed, which are expected to improve operational efficiency and re-energize CV Malabar's export activities independently. The post- development cost structure shows a significant increase in operational costs (fixed costs IDR820,496,000/year; variable costs IDR1,147,050,000/year), along with investment in export activities. The projected revenue stream shows a potential increase in net profit to IDR 2,757,917,095.13/year. The export development strategy is considered financially viable and provides a new growth direction for the company
The Influence Of Financial Attitude And Lifestyle On Financial Management Behavior With Locus Of Control Mediation Among Employees Of Raden Mattaher Hospital Jambi
Get PDFThis study aims to examine the influence of Financial Attitude and Lifestyle through the mediation of locus of control on financial management behavior among Non-Permanent Non-Civil Servants in the management of Raden Mattaher Hospital, Jambi. The analysis method used is quantitative research. The analytical tool used is PLS analysis. Based on the research results, Financial Attitude and Lifestyle have an effect on locus of control, Financial Attitude and Lifestyle influence financial management behavior, and Financial Attitude and Lifestyle through the mediation of locus of control affect financial management behavior among Non-Permanent Non-Civil Servants in the management of Raden Mattaher Hospital, Jambi
Determinants Of The Level Of Budget Absorption In The Energy And Mineral Resources Service Of Jambi Province
Get PDFThis study aims to examine the effect of budget planning, quality of human resources and procurement of goods and services on budget absorption at Dinas Energi dan Sumber Daya Mineral Provinsi Jambi. The research approach used in this study uses a quantitative descriptive method approach. The respondent determination technique is determined using saturated sampling, which means that the entire population in this study is used as a sample, amounting to 64 people. This study is related to testing H1 to H3 in analyzing data using the Partial Least Square (PLS) method in the Structural Equation Model (SEM) with the help of smartPLS software version 4. The results of the study indicate that budget planning affects the level of budget absorption, the better and better the quality in planning a budget, the higher the level of budget absorption and can ensure that the budget is used effectively and efficiently. Likewise, the variable of human resource quality affects the level of budget absorption, indicating that the more qualified and competent the human resources available, the more optimal the level of budget absorption. While the procurement process of goods and services does not affect the level of budget absorption, the constraints in the research variables of the procurement process of goods and services obtained from the questionnaire are that the implementation and signing of contract documents by the procurement committee/officials takes a long time, but the Energy and Mineral Resources Service of Jambi Province has used e-procurement to facilitate the procurement process of goods and services.
 
The Influence Of Product Innovation And Digital Marketing Implementation On The Business Success Of Sasirangan Msme In Sasirangan Village Banjarmasin
Get PDFThis study investigates the influence of product innovation and digital marketing on the business success of Sasirangan MSMEs (Micro, Small, and Medium Enterprises) in Sasirangan Village, Banjarmasin. Product innovation encompasses the creation and enhancement of products to meet consumer needs, while digital marketing involves the use of digital technologies to promote and sell products. The research aims to determine the extent to which these factors contribute to the success of Sasirangan MSMEs.
Utilizing a quantitative research method, data was collected from 30 respondents who are owners and managers of Sasirangan businesses. The research employed purposive sampling and used questionnaires to gather data, which was then analyzed using SPSS software.
Results indicate that both product innovation and digital marketing have a positive and significant effect on the business success of Sasirangan MSMEs. Specifically, the implementation of innovative product features, design, and quality, alongside effective digital marketing strategies such as traffic, conversion, and engagement, significantly enhance business performance.
The findings suggest that Sasirangan MSME owners should focus on continuous product innovation and adopt comprehensive digital marketing practices to improve their business success. This study contributes to the understanding of key factors driving the success of MSMEs in the textile industry, particularly in the context of traditional fabric production in Indonesia
Strategic Human Resource Management and Organizational Justice in the Indonesian Police: Psychological Safety as a Mediator Toward Institutional Integrity
Get PDFAbstract
This study investigates the influence of Strategic Human Resource Management (SHRM) and Organizational Justice on Institutional Integrity within the Indonesian National Police, with Psychological Safety acting as a mediating variable. A cross-sectional survey was conducted with 100 police personnel from various units, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM).The results show that SHRM and Organizational Justice significantly enhance both Psychological Safety and Institutional Integrity. Specifically, SHRM had a stronger direct impact on Psychological Safety (β = 0.585) and Institutional Integrity (β = 0.333) compared to Organizational Justice (β = 0.464 and β = 0.233, respectively). Psychological Safety also showed a significant positive effect on Institutional Integrity (β = 0.410), confirming its role as a mediating mechanism. Theoretically, this study contributes to public sector ethics by integrating psychological safety into models of institutional integrity. Practically, it highlights the importance of value-based HR strategies and justice-driven managerial practices in fostering ethical resilience in hierarchical public organizations
Financial Literacy and Digital Finance: Determinants of MSMEs Sustainability in Ternate City
Get PDFThis study aims to analyze the effect of financial literacy and digital finance on the sustainability of MSMEs in Ternate City. Data in this study are the owners/managers of SMEs in Ternate City. Collecting data using a questionnaire to 115 respondents. Data analysis using multiple regression analysis. The Financial literacy variable was measured using education (a combination of formal and non-formal education levels). This study shows that financial literacy has no significant effect on the sustainability of MSMEs, while digital finance offers substantial results. In addition, this study also finds that variations in training have an impact on increasing financial literacy on the sustainability of MSMEs. Theoretically, this research contributes to the latest view on the measurement of financial literacy. In addition, these findings support research related to financial literacy, digital finance, and the sustainability of MSMEs. Finally, from a practical point of view, this study provides a policy direction for the government in policymaking, especially in improving human resources with technical support to ensure the quality and sustainability of MSMEs
Management Of Coffee-Based Gastronomy Tourism In Twenty Milli And Secondfloor Coffee Bali
Get PDFCoffee-based gastronomic tourism has become a distinctive tourist attraction that combines culinary, cultural, and experiential elements. In Bali, Twenty Milli Coffee Roastery and Secondfloor Coffee represent leading examples of this tourism model. This research explores the activities and management strategies implemented by both cafés and evaluates their contributions to enhancing Bali’s tourism appeal. Using a mixed-methods approach, data were collected through observations, interviews, documentation, and questionnaires. Qualitative data were analyzed using NVivo software for thematic coding, while quantitative data were processed using Likert scale and Importance Performance Analysis (IPA). The results indicate that both cafés deliver high-quality tourism experiences, fulfilling visitor expectations in key areas such as attraction, amenities, accessibility, motivation (push and pull), and consumer behavior. Twenty Milli and Secondfloor Coffee successfully manage core resources, human, financial, technological, material, and market to build engaging and sustainable experiences. Although their approaches differ, both emphasize synergy between internal and external business environments. NVivo analysis reveals that educational experiences, storytelling, and customer involvement are central to creating authenticity and uniqueness in coffee tourism. This research highlights that success in this field is driven not only by product quality but also by innovation in service, experience design, and consumer education. It is recommended that other coffee businesses adopt similar strategies, while government stakeholders should provide regulatory and promotional support to strengthen the growth of coffee-based gastronomic tourism
Exploring the Determinants of Local Government Financial Performance: Evidence from North Maluku Province, Indonesia
Get PDFThis study examines the impact of Regional Own-Source Revenue (PAD), General Allocation Fund (DAU), Regional Expenditure (BD), Special Allocation Fund (DAK), and Revenue Sharing Fund (DBH) on the financial performance of local governments in North Maluku Province, Indonesia. Using a saturated sampling method, the study analyzes panel data comprising 60 observations from 10 regencies/municipalities over the period 2019–2024. The financial performance is measured using the efficiency ratio of expenditure to revenue. Data were analyzed through multiple linear regression on panel data with EViews 13. The findings reveal that Regional Expenditure positively and significantly affects financial performance, suggesting that effective and targeted spending enhances fiscal outcomes. In contrast, PAD, DAU, DAK, and DBH exhibit no significant effects, indicating potential dependency on central transfers and inefficiencies in revenue utilization. These results highlight the importance of improving budget management and fiscal autonomy to enhance local government performance. This study contributes to the literature on fiscal decentralization by incorporating DBH as an explanatory variable and providing evidence from an underexplored region in Indonesia