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All Journal JAKU (Jurnal Akuntansi & Keuangan Unja) (e-journal) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL RISET AKUNTANSI JAMBI JURNAL EKONOMI SAKTI (JES) Jurnal Cafetaria Jurnal Revenue : Jurnal Ilmiah Akuntansi Jurnal Bina Bangsa Ekonomika Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Bussman Journal : Indonesian Journal of Business and Management Al Fiddhoh: Journal of Banking, Insurance, and Finance Agrifo: Jurnal Agribisnis Universitas Malikussaleh International Journal of Business and Quality Research
Rio Baviga
Sekolah Tinggi Ilmu Ekonomi Sakti Alam Kerinci
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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DETERMINASI EASE OF USE DAN SECURITY TERHADAP MINAT PENGUNAAN E-WALLETS PADA MASYARAKAT HAMPARAN RAWANG Baviga, Rio; Putri, Rizka Khairani
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 5 No. 3 (2025): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v5i3.162

Abstract

The rapid growth of digital technology has increased the use of digital wallets, including among the community in Hamparan Rawang. However, not all individuals immediately shift to cashless transactions, as many still consider factors such as ease of use and security before adopting digital wallet services. This study aims to examine the extent to which these two factors influence the community’s interest in using digital wallets. This research employs a quantitative approach by distributing questionnaires to 99 respondents selected through purposive sampling. The collected data were analyzed using SPSS through validity tests, reliability tests, t-tests, and F-tests. The results indicate that ease of use has a positive and significant effect on user interest, suggesting that simple, easy-to-understand, and accessible applications encourage higher user engagement. Security also shows a significant influence, as features such as data protection, PIN/OTP verification, and transaction notifications help users feel safer when performing digital transactions. Furthermore, both variables jointly show a strong and significant impact on the interest in using digital wallets.Overall, this study highlights that users are more likely to use digital wallets when the services offered are not only easy to operate but also provide a sense of security in every transaction.
HUBUNGAN ANTARA KOMPENSASI FINANSIAL DAN MOTIVASI KERJA TERHADAP LOYALITAS KARYWAN PADA PT ARTEJE KAYU ARO Sudirman, Sudirman; Baviga, Rio; Hendra, Hendra
Bussman Journal : Indonesian Journal of Business and Management Vol. 5 No. 3 (2025): Bussman Journal | September - Desember 2025
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/buss.v5i3.484

Abstract

This study aims to analyze the effect of financial compensation and work motivation on employee loyalty at PT Arteje Kayu Aro, a company engaged in the production of bottled drinking water in Kerinci Regency, Jambi Province. The background of this study is based on the phenomenon of increasing turnover and decreasing employee loyalty, which is suspected to be influenced by dissatisfaction with the compensation system and low work motivation. This study uses an explanatory quantitative approach with a population of all 45 permanent employees of PT Arteje Kayu Aro. Due to the relatively small population size, the sampling method used is census sampling. Primary data was collected through a five-point Likert scale questionnaire, while secondary data was obtained from company documents and supporting literature. Data analysis was performed using validity, reliability, and classical assumption tests, as well as multiple linear regression analysis with the help of SPSS version 26 to test the partial and simultaneous effects between variables. Correlation analysis showed that financial compensation has a positive and significant relationship with employee loyalty, while work motivation also shows a positive and significant relationship. Simultaneously, both variables have a very strong relationship with employee loyalty, which means that the better the financial compensation and the higher the work motivation, the higher the loyalty shown by employees. The results of this study emphasize the importance of companies in improving their compensation systems and increasing factors that motivate employees in order to strengthen loyalty and improve organizational sustainability
Optimalisasi Sertifikasi Indikasi Geografis untuk Penguatan Ekonomi Lokal dalam Rantai Pasok Kopi Robusta Kota Sungai Penuh Afdhal Chatra; Silvia Rahayu; Rio Baviga
Agrifo : Jurnal Agribisnis Universitas Malikussaleh Vol. 11 No. 1 (2026): April 2026
Publisher : LPPM Universitas Malikussaleh - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/ag.v11i1.25399

Abstract

This study aims to determine  the existing  condition of the robusta coffee supply chain performance in Sungai TFull City after Geographical Indication certification, analyze the robusta coffee marketing margin in each marketing channel involving coffee farmers, collecting traders, and Small and Medium Industries (SMEs) and find out  the existing conditions The research method uses quantitative and qualitative descriptive approaches involving 268 farmers, 19 collectors, and 15 coffee small and medium industry players (SMEs). Data were analyzed through the identification of marketing channels, calculation of marketing margins, and farmer's share, as well as qualitative descriptive analysis of the use of IG certification. The results of the study show that there are two main marketing channels, namely Channel I (farmers-collector traders– small and medium industries (SMEs) coffee) and Channel II (farmers– small and medium industries (SMEs) coffee). Farmer's share on Channel I is only 7.69%, while on Channel II it reaches 38.46%. Margin analysis shows that the Small and Medium Coffee Industry (SMEs) control around 66.7% of the total margin, reflecting the weak bargaining position of farmers. However, IG certification improves product reputation and opens up wider market access, but its utilization is not optimal because the use of the IG logo is not consistent and the economic benefits have not been evenly distributed, especially at the farmer level. This study concludes that IG certification has not had a significant impact on improving the welfare of farmers due to the weak internalization of IG values and institutional strengthening. Strengthening farmer organizations, vertical integration of supply chains, and sustainable policy support is needed so that the benefits of IG certification can be distributed fairly and sustainably.
ANALISIS KINERJA KEUANGAN DALAM REALISASI ANGGARAN PADA SEKRETARIAT DAERAH KABUPATEN KERINCI TAHUN 2016 - 2020 Rio Baviga
JURNAL RISET AKUNTANSI JAMBI Vol. 4 No. 2 (2021): JURNAL RISET AKUNTANSI JAMBI
Publisher : LPPM Universitas Adiwangsa Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat kinerja keuangan Sekretariat Daerah Kabupaten Kerinci berdasarkan laporan realisasi pendapatan asli daerah dan laporan realisasi anggaran Tahun 2016 – 2020. Objek dalam penelitian ini adalah pendapatan asli daerah dan realisasi anggaran pada Sekretariat Daerah Kabupaten Kerinci tahun 2016 sampai dengan 2021. Selanjutnya dengan menggunakan kriteria tingkat efektif penerimaan pendapatan asli daerah dan kriteria tingkat efektif realisasi anggaran, maka didapatkan tingkat kinerja keuangan pada Sekretariat Daerah Kabupaten Kerinci. Alat analisis data yang digunakan adalah rasio efektif penerimaan pendapatan asli daerah dan rasio efektif realisasi anggaran. Berdasarkan hasil penelitian menunjukan bahwa tingkat kinerja keuangan pada Sekretariat Daerah Kabupaten Kerinci tahun 2016 sampai dengan tahun 2020 belum mencapai target, namun termasuk dalam kategori efektif, karena realisasi anggaran keseluruhan rata-rata mencapai 92%, hal ini terlihat dari tingkat kinerja pendapatan asli daerah tahun 2016 sampai dengan tahun 2020 rata-rata mencapai 103%, sedangkan tingkat kinerja realisasi anggaran tahun 2016 sampai dengan 2020 rata-rata mencapai 92%.
Co-Authors Abdallah, Zachari Afdhal Chatra Amriana, Sela Anton Setiawan Cayanti, Karin Septi Desiyanti, Rika Dona Elvia Desi Edia Satria, Edia Efrianto Fadli Anugrah Gampo Haryono Hamdani, Deky Ingga Kharisma Degama Mauledy Ahmad Mukhzarudfa Mukhzarudfa Putri, Rizka Khairani Silvia Rahayu Sudirman Sudirman Sudirman Sudirman Zamzami Zamzami