Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Jejak digital: Jurnal Ilmiah Multidisiplin
Esty Apridasari
Universitas Islam Negri Jurai Siwo Lampung
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Analisis Perbandingan UMKM Pengguna dan Non Pengguna QRIS di Metro Timur Dwi Gita Cahyani Puja; Isrofia Arbiati; Nia Faradina; Putri Nurvitasari; Zahra Septiani Putri; Esty Apridasari
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 4 (2026): JUNI-JULI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/87stj086

Abstract

This study aims to analyze the differences in income between Micro, Small, and Medium Enterprises (MSMEs) that use the Quick Response Code Indonesian Standard (QRIS) and those that do not use QRIS in East Metro. The background of this research is based on the rapid development of digital payment systems and the increasing adoption of QRIS as a cashless payment method, which is expected to improve transaction efficiency and business income. The research objects consist of Indra Jaya Store as a QRIS user MSME and Purwanto Store as a non-QRIS user MSME. This study employs a descriptive qualitative approach. Data were collected through observation, interviews, and documentation. Data validity was ensured using source triangulation and technique triangulation. Data analysis was conducted through data reduction, data presentation, and conclusion drawing. The findings indicate that there are differences in income between the two MSMEs. Indra Jaya Store, which uses QRIS, earns a monthly gross income of IDR 495,000,000 and a monthly net income of IDR 45,000,000. Meanwhile, Purwanto Store, which does not use QRIS, earns a monthly gross income of IDR 320,000,000 and a monthly net income of IDR 30,000,000. The use of QRIS provides convenience, speed, and flexibility in transactions, thereby increasing customer satisfaction and expanding transaction opportunities. However, the difference in income is not solely influenced by QRIS usage but also by other factors such as business location, number of customers, product variety, and service quality. Based on the findings, it can be concluded that the implementation of QRIS contributes positively to increasing transaction activities and MSME income, while also helping business owners adapt to the growing development of digital payment systems in society.
Pengaruh Free cash flow dan Kepemilikan Institusional terhadap Kebijakan Utang Ayu Vadia Aprilia; Esty Apridasari; Era Yudistira; Northa Idaman
JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi Vol. 4 No. 1 (2026): July
Publisher : CV. Muris Global Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62421/jibema.v4i1.399

Abstract

Pembangunan infrastruktur menjadi prioritas utama pemerintah dalam mendorong pertumbuhan ekonomi dan pemerataan pembangunan. Selain itu sektor ini banyak menarik minat investor di Bursa Efek Indonesia karena menawarkan stabilitas dan arus kas yang relatif konsisten. Dengan dukungan program pembangunan pemerintah dan kebutuhan jangka panjang akan fasilitas publik yang modern memperkuat prospek pertumbuhan sektor ini. Penelitian ini bertujuan untuk menguji pengaruh Free cash flow dan Kepemilikan Institusional terhadap Kebijakan Utang. Populasi dalam penelitian ini adalah perusahaan sektor infrastruktur yang terdaftar di Bursa Efek Indonesia. Teknik pengambilan sampel yang digunakan adalah purposive sampling dan diperoleh sampel sebanyak 9 perusahaan sesuai dengan kriteria yang telah ditetapkan selama periode pengamatan tahun 2020–2025. Metode analisis data yang digunakan adalah analisis regresi data panel dengan pendekatan Random Effect Model (REM). Hasil penelitian menunjukkan bahwa secara parsial Free cash flow berpengaruh negatif dan signifikan terhadap Kebijakan Utang. Kepemilikan Institusional berpengaruh positif dan signifikan terhadap Kebijakan Utang. Secara simultan, Free cash flow dan Kepemilikan Institusional berpengaruh signifikan terhadap Kebijakan Utang pada perusahaan sektor infrastruktur yang terdaftar di Bursa Efek Indonesia periode 2020–2025
Co-Authors Ayu Vadia Aprilia Dwi Gita Cahyani Puja Era Yudistira Isrofia Arbiati Nia Faradina Northa Idaman Putri Nurvitasari Zahra Septiani Putri