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All Journal JIKA: Jurnal Ilmu Keuangan dan Perbankan PINISI Discretion Review Journal Research of Social Science, Economics, and Management Kriez Academy KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society Jesocin : Journal of Jabar Economic Society Networking Forum Jesocin : Journal of Economics, Accounting, Business, Management, Engineering and Society Cakrawala: Jurnal Ekonomi, Manajemen dan Bisnis Jurnal Ilmu Ekonomi, Pendidikan dan Teknik (IDENTIK)
Supriatna, Ucu
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Religion Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Library & Information Science Social Sciences Other

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FINANCIAL INCLUSION THROUGH FINTECH PLATFORMS: OPPORTUNITIES AND CHALLENGES IN INDONESIA Ariyanti, Maya; Supriatna, Ucu; Matriadi, Faisal
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 11 (2024): KISA INSTITUE : October 2024
Publisher : PT. Kreatif Indonesia Satu

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Abstract

Background: Indonesia faces persistent financial exclusion despite economic growth, with over 100 million adults lacking formal financial access. Aims: This research investigates fintech contributions to financial inclusion in Indonesia. Method: Mixed-methods with survey (n=500) and interviews across urban/rural Indonesia. Results: Digital payments show 78% adoption; digital lending reaches 42% of previously unbanked. Key barriers include digital literacy (65%), internet access (52%), and trust (48%). Government support correlates with 2.3x higher adoption. Contribution: Provides evidence for fintech-driven inclusion in emerging markets, informing policy and platform development.
Pengaruh Pemberian Kredit terhadap Loyalitas Anggota dan Pertumbuhan UMKM di Koperasi Kredit Motekar Cimahi Selatan Zahro, Aldiena Fatimathul; Supriatna, Ucu
Cakrawala: Jurnal Ekonomi, Manajemen dan Bisnis Vol. 3 No. 1 (2026): Cakrawala: Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : YAYASAN PENDIDIKAN MULIA BUANA (YPMB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70451/cakrawala.v3i1.688

Abstract

Koperasi Kredit Motekar merupakan koperasi simpan pinjam yang berperan dalam menyediakan modal usaha bagi anggotanya, khususnya pelaku Usaha Mikro, Kecil, dan Menengah (UMKM). Pemberian kredit tidak hanya berpengaruh terhadap perkembangan usaha anggota, tetapi juga terhadap loyalitas anggota terhadap koperasi. Namun demikian, efektivitas penyaluran kredit masih menjadi perhatian karena belum sepenuhnya mampu mendorong pertumbuhan UMKM meskipun loyalitas anggota mengalami peningkatan. Penelitian ini bertujuan untuk mendeskripsikan pemberian kredit, loyalitas anggota, dan pertumbuhan UMKM di Koperasi Kredit Motekar serta menganalisis pengaruh pemberian kredit terhadap kedua variabel tersebut. Metode penelitian yang digunakan adalah metode deskriptif verifikatif dengan pendekatan kuantitatif. Populasi penelitian adalah anggota Koperasi Kredit Motekar dengan teknik pengambilan sampel menggunakan accidental sampling. Pengumpulan data dilakukan melalui kuesioner dan dokumentasi, kemudian dianalisis menggunakan regresi linear sederhana dengan bantuan SPSS. Hasil penelitian menunjukkan bahwa pemberian kredit berada pada kategori tinggi (75,36%), loyalitas anggota pada kategori cukup (60,24%), dan pertumbuhan UMKM pada kategori sangat tinggi (83,52%). Hasil uji statistik menunjukkan bahwa pemberian kredit berpengaruh signifikan terhadap loyalitas anggota dan pertumbuhan UMKM.
The Effect of Leadership Style, Work Culture, and Teamwork on Financial Performance at PT. Bpr Supra Artapersada Ciranjang Cianjur Branch Office for the Period 2022-2024 Aminudin, Aam; Supriatna, Ucu
Journal Research of Social Science, Economics, and Management Vol. 5 No. 8 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i8.1403

Abstract

Background: The development of the microbanking industry in Indonesia has encouraged BPR (Bank Perekonomi Rakyat) to increase its competitiveness and financial resilience. Healthy financial performance at the branch office level is a reflection of management effectiveness, quality of human resources, and synergy between employees in carrying out operations. Objective: This study aims to analyze the influence of leadership style, work culture, and teamwork on financial performance at PT. BPR Supra Artapersada, Ciranjang Branch, Cianjur, during 2022–2024. The research phenomenon is based on the variation in financial performance across periods, which may be affected by internal organizational factors such as leadership behavior, work culture, and team collaboration. Methods: This research uses a quantitative associative approach, combining primary data from questionnaires distributed to 30 employees and secondary data from OJK APOLO published financial reports from 2022–2024. The data were analyzed using multiple linear regression with SPSS version 25.0. Results: The results show that: (1) Leadership style has a positive and significant effect on financial performance; (2) Work culture has a positive and significant effect on financial performance; (3) Teamwork has a positive and significant effect on financial performance; and (4) All variables simultaneously affect financial performance, with an R² value of 0.742. Conclusion: Teamwork has the most dominant influence on financial performance. These findings indicate that organizational behavior factors play an important role in improving operational efficiency and profitability of BPR branches.
Analysis Of Marketing Mix Strategy At Ayam Gepuk Pak Gembus Jatinangor Sumedang Suhara, Teguh; Supriatna, Ucu
Jurnal Ilmu Ekonomi, Pendidikan dan Teknik Vol. 3 No. 3 (2026): IDENTIK - Mei
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/identik.v3i3.1427

Abstract

This study aims to analyze the implementation of the Marketing Mix (7P) strategy at Ayam Gepuk Pak Gembus Jatinangor Branch. The research employed a qualitative approach using interviews, observation, and documentation as data collection techniques. Informants consisted of the owner, employees, and customers. The results indicate that the main product is crushed fried chicken with adjustable spiciness levels, although menu variations remain limited. The prices range from Rp15,000 to Rp20,000 and are considered affordable for students. The business location is strategic, being near university areas, but has limited parking space. Promotional activities depend largely on headquarters and online delivery applications. Employee service is generally good, although some customers perceive it as less friendly. The service process is simple and efficient; however, queues increase during peak hours. Physical evidence such as cleanliness, comfort, and packaging supports positive customer perceptions. It can be concluded that the 7P marketing mix strategy is relatively effective in attracting customers, yet improvements in product variety, independent promotion, and service consistency are needed.
Co-Authors Aminudin, Aam Faisal, Ijang Jopinus Saragih Mahaputra, M. Syafarudin Matriadi, Faisal Maya Ariyanti Riana, Nia Suhara, Teguh Wawan Ichwanudin Zaenal Aripin Zahro, Aldiena Fatimathul