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All Journal Ekalaya : Jurnal Ekonomi Akuntansi Bisma : Business and Management Journal
Reny Fitriana Kaban
Perbanas Institute, Jakarta, Indonesia
Economics, Econometrics & Finance Social Sciences

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Pengentasan Kemiskinan Nasabah BTPN Syariah Penerima Program Daya Berdasarkan Peningkatan Kinerja dan Keberlanjutan Usaha Melalui Pendampingan Program Bestee Reny Fitriana Kaban; Ai Nety Sumidartini
EKALAYA : Jurnal Ekonomi Akuntansi Vol. 3 No. 2 (2025): Ekalaya : Jurnal Ekonomi Akuntansi
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/ekalaya.v3i2.1742

Abstract

Poverty is still a global challenge, including in Indonesia, although a decline in the number of poor people has occurred in recent years. Community empowerment programs are one of the important strategies to address this issue. BTPN Syariah launched the Daya Program, which aims to improve the welfare of female customers through sharia financing and business mentoring. However, to ensure the sustainability and improvement of customers' business performance, more intensive mentoring is needed. The Bestee program comes as a solution by involving university students in providing business mentoring to customers. This study aims to analyze the effectiveness of the Bestee program in improving the performance and sustainability of BTPN Syariah customers who receive the Daya program. The research methodology uses a descriptive qualitative approach with SWOT analysis of two customers and evaluation of the level of customer satisfaction post-mentoring. Primary data was collected through direct observation and interviews, while secondary data was obtained from BTPN Syariah's sustainability reports and relevant literature. The results show that mentoring by Bestee facilitators provides positive benefits for customers. They were satisfied and able to understand the materials provided. Although there has not been a significant increase in turnover over a month, the mentoring helps customers in terms of digital promotion, financial recording, and business identity.  
Solusi Peningkatan Daya Beli Masyarakat Akibat Anjloknya Harga Rumput Laut Regita Fatikah Sari; Henny Ritha; Reny Fitriana Kaban
BISMA : Business and Management Journal Vol. 3 No. 2 (2025): Bisma : Business and Management Journal
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/bisma.v3i2.1712

Abstract

This research aims to describe the specifics of the problem of the lack of purchasing power of people in Lumintu food stalls due to the drop in seaweed prices in Nunukan Regency. North Kalimantan Province. The research method used is descriptive qualitative by interviewing several sources in the field according to current realities and related problems. The word is then researched thoroughly. The results of this research show that the drop in seaweed prices has had a big impact on the economy of the people in Nunukan Regency who only rely on their livelihood as seaweed farmers and thus has an impact on the lack of purchasing power of consumers in food stalls in Nunukan Regency, one of which is food stalls. . Lumintu. The author suggests a system of delaying selling and processing seaweed into ready-to-eat food to overcome the problem of reducing people's purchasing power for food at Lumintu stalls.
Strategi Ekonomi Digital Grab dalam Meningkatkan Daya Saing Bisnis Transportasi Online Reny Fitriana Kaban; Novita Fildzah; Syafira Risalah Amini
BISMA : Business and Management Journal Vol. 3 No. 4 (2025): Bisma : Business and Management Journal
Publisher : CV. Kalimasada Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59966/bisma.v3i4.2367

Abstract

This study aims to analyze the effectiveness of Grab's digital economy strategy in enhancing the competitiveness of online transportation businesses in Indonesia. Amid the rapid advancement of technology and increasing competition among digital platforms, Grab adopts an integrated digital ecosystem approach to offer comprehensive services such as ride-hailing, food delivery, digital payments, and financial services. This research uses a literature review method by examining various secondary data sources, including academic articles, industry reports, and recent statistical data. The findings indicate that Grab’s digital economy strategy has successfully strengthened its market position through technological innovation, service diversification, and the empowerment of driver-partners and MSMEs. Furthermore, Grab’s ability to adapt to regulations and market dynamics plays a crucial role in ensuring the sustainability of its business. However, challenges such as price competition, dependency on incentives, and demands for environmental sustainability remain pressing issues. This study contributes to the development of strategic management and digital economy knowledge and serves as a practical reference for players in the online transportation sector to formulate competitive and sustainable business strategies.
Co-Authors Ai Nety Sumidartini Henny Ritha Novita Fildzah Regita Fatikah Sari Syafira Risalah Amini