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All Journal Jurnal Ekonomi Manajemen Akuntansi Sammajiva: Jurnal Penelitian Bisnis dan Manajemen
Siswohadi Siswohadi
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Digitalisasi Manajemen Operasional sebagai Upaya Peningkatan Daya Saing UMKM Batik TIN Siswohadi Siswohadi; Shafira Aulia Rahma
Jurnal Ekonomi Manajemen Akuntansi Vol. 32 No. 1 (2026): JURNAL EKONOMI MANAJEMEN AKUNTANSI
Publisher : sekolah Tinggi Ilmu Ekonomi Dharma Putra Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59725/ema.v32i1.397

Abstract

This study aims to analyze the implementation of digitalization in the operational management of Batik TIN MSMEs as a strategy to enhance business competitiveness. Digitalization is considered an important step for MSMEs in facing increasingly competitive market conditions in the digital economy era. The research method employed is qualitative with a case study approach. Data were collected through in-depth interviews with the owner and employees of Batik TIN MSMEs, direct observation of operational processes, and documentation related to production, marketing, and financial management activities. The results show that the implementation of digitalization in the production aspect helps improve work efficiency and product quality control. In the marketing aspect, the utilization of social media and digital platforms is able to expand market reach and enhance interaction with consumers. Meanwhile, digitalization in financial management facilitates transaction recording, improves the accuracy of financial reports, and supports more accurate decision-making. Overall, the implementation of digitalization has proven to make a positive contribution to improving operational efficiency and strengthening the competitiveness of Batik TIN MSMEs. Therefore, digitalization can be an effective and sustainable strategy for MSMEs to survive and grow amid dynamic industrial competition.
Praktik Etika Bisnis dalam Tata Kelola Dana Simpan Pinjam Komunitas Perkotaan: (Studi Kualitatif : Kredit Macet di Wilayah Kelurahan Airlangga Kecamatan Gubeng Surabaya) Siswohadi Siswohadi; Jajuk Susanto; Maratus Sholihah; Ratna Wati; Rosidi Rosidi; Adriyan Adriyan
Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Vol. 4 No. 1 (2026): SAMMAJIVA: Jurnal Penelitian Bisnis dan Manajemen
Publisher : Institut Nalanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47861/sammajiva.v4i1.2372

Abstract

This study aims to analyze the implementation of business ethics in the governance of urban community savings and loan funds and its implications for non-performing loans in Airlangga Village, Gubeng District, Surabaya. Community-based savings and loan funds serve as an economic empowerment mechanism that relies on trust, responsibility, transparency, and accountability in their management. Nevertheless, loan default remains a significant challenge that may threaten program sustainability and weaken trust among members. This research employed a qualitative approach using a case study method. Data were collected through in-depth interviews, observations, and document analysis involving fund administrators, borrowing members, and other relevant stakeholders. Data analysis was conducted through data reduction, data display, and thematic conclusion drawing. The findings reveal that business ethics principles have generally been integrated into the governance of community savings and loan funds, particularly in terms of honesty, responsibility, and deliberative decision-making. However, several challenges persist, including inadequate borrower eligibility assessment, low repayment discipline, and the influence of close social relationships that often reduce objectivity in lending decisions. These conditions contribute to the emergence of non-performing loans and create ethical dilemmas for administrators when carrying out collection activities and imposing sanctions. The study concludes that strengthening ethics-based governance is essential through improved transparency, consistent enforcement of regulations, and enhanced financial literacy among members. These findings provide practical insights for community savings and loan managers in developing more sustainable, accountable, and ethical financial management systems while maintaining the social values that underpin community-based financial institutions.
Co-Authors Adriyan Adriyan Jajuk Susanto MARATUS SHOLIHAH Ratna Wati Rosidi Rosidi Shafira Aulia Rahma