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PENGARUH PERSEPSI KEMUDAHAAN DAN PERSEPSI MANFAAT TERHADAP NIAT PENGGUNAAN TEKNOLOGI KEUANGAN SEBAGAI ALAT PEMBAYARAN Sijabat, Yacobo P; Hirawati, Heni; Giovanni, Axel
Jurnal Riset Entrepreneurship Vol 3 No 1 (2020)
Publisher : Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jre.v3i1.1316

Abstract

The technology applied by companies in transactions must pay attention to aspects of behavior. Researchers use the Technology Acceptance Model (TAM) as the main model of research. The researcher's goal is to determine the effect of several Technology Acceptance Model (TAM) variables on the intention to use financial technology as a means of payment. The data used by researchers are data from 118 students of the Faculty of Economics, Tidar University. Researchers use primary data by distributing questionnaires to students to determine the effect of each variable studied. The validity test used by researchers is the Corrected Item-Total Correlation value, while for the reliability test the Cronbach Alfa Test is used. Researchers use multiple linear regression methods in analyzing data and variables. Researchers found that the effect of perceived ease of use and perceived benefits on the intention to use financial technology in simultaneous transactions and had a significant effect. Likewise, partially, for each variable influences the intention to use financial technology in transactions and reliability.
MENGKAJI MODEL PENINGKATAN KINERJA ALIANSI STRATEGIS DAN KEUNGGULAN BERSAING UMKM Lionora, Clarisa Alfa; Novitaningtyas, Ivo; Rahardjo, Budi; Sijabat, Yacobo P; Achsa, Andhatu; Nugroho, Ramadhani Lukman; Trisyaningsih, Melati
Jurnal Ekonomi Manajemen Vol 9, No 2 (2023): November 2023
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v9i2.8825

Abstract

This research aims to test a model for improving alliance performance and competitive advantage in MSMEs in the Borobudur area. This research uses a survey-based quantitative approach to collect primary data. The sample in this research was 44 MSMEs located in the Borobudur area and already had alliances or partners. The sampling method uses snowball sampling. Data were analyzed using multiple linear regression by SPSS. The results show that the partner selection process and relational capital can improve alliance performance of MSMEs. Furthermore, alliance performance has an influence on the competitive advantage of MSMEs. These results support the resource-based view theory and resource-dependent theory. The results provide practical implications for MSME managers in the Borobudur area to be selective in choosing suitable partners and improve the quality of relationships with partners in order to improve alliance performance, thus it can increase the competitive advantage of MSMEs.
Kualitas Keputusan Investasi, Risiko Bisnis, Efisiensi dan Pertumbuhan Laba Hirawati, Heni; Giovanni, Axel; Sijabat, Yacobo P
Jurnal Ilmiah Akuntansi dan Keuangan Vol. 11 No. 2 (2022): Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/jiak.v11i2.201

Abstract

Penelitian ini bertujuan untuk memberikan bukti secara empiris mengenai peran kualitas keputusan investasi, risiko bisnis dan efisiensi terhadap pertumbuhan laba perusahaan. Kualitas keputusan investasi diproksikan dengan ROA (Return on Assets), risiko bisnis diproksikan dengan DAR (Debt to Assets Ratio), dan efisiensi diproksikan dengan ATR (Asset Turnover Ratio). Penelitian ini menggunakan data sekunder dengan format data panel. Populasi penelitian terdiri dari seluruh perusahaan yang tercatat dalam indeks SRI KE-HATI dari tahun 2017-2021. Penarikan sampel penelitian dilakukan dengan metode purposive sampling, dan diperoleh sampel penelitian sebanyak 15 perusahaan atau sebanyak 75 observasi. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi data panel dengan bantuan aplikasi STATA. Hasil uji F menunjukkan bahwa secara simultan variabel kualitas keputusan investasi, risiko bisnis, dan efisiensi berpengaruh terhadap pertumbuhan laba. Hasil pengolahan data menjelaskan bahwa variabel kualitas keputusan investasi, risiko bisnis, dan efisiensi secara parsial tidak berpengaruh terhadap pertumbuhan laba.
Strategi Peningkatan Kinerja Usaha Mikro Kecil dan Menengah Giovanni, Axel; Hartono, Budi; Hirawati, Heni; Sijabat, Yacobo P; Lionora, Clarisa Alfa; Aprilia, Vierda Dwi; Witantri, Galuh; Kurniasari, Erika
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 15 No. 1: April 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v15i1.14281

Abstract

This study aims to identify the internal and external challenges faced by micro, small, and medium enterprises (MSMEs) in Magelang City and to develop effective strategies for enhancing their overall performance. The sample consists of 215 MSMEs selected through snowball sampling, ensuring a comprehensive representation of the sector. Data analysis utilized the internal-external (IE) matrix and the quantitative strategic planning matrix (QSPM) to generate strategic options. The results demonstrate that the strategic formulation using these matrices produces viable alternatives for MSMEs in Magelang, with a specific focus on a market penetration strategy. Concrete actions to implement this strategy include effective customer management, improving product quality and value, addressing customer complaints promptly, establishing partnerships with customers, and creating integrated distribution channels. By adopting these strategies, MSMEs can significantly enhance their competitive edge and achieve better performance outcomes. This research provides valuable insights for MSMEs seeking to navigate challenges and leverage opportunities in the dynamic business environment of Magelang City. Keywords: MSMEs; Strategy; Performance; IE Matrix; QSPM
KOMPETENSI SDM DAN PENGARUHNYA TERHADAP KINERJA UMKM DI MAGELANG TENGAH Sari, Kholisna; Sijabat, Yacobo P
Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Vol. 4 No. 1 (2022): Inspirasi Ekonomi : Jurnal Ekonomi Manajemen
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Timor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32938/ie.v4i1.2253

Abstract

Peneliti melakukan penelitian untuk mencari tahu pengaruh kompetensi SDM dengan 3 variabel didalamnya yaitu pengetahuan, keterampilan, dan kemampuan pada kinerja yang dihasilkan SDM UMKM di Magelang Tengah. Populasi yang diambil menggunakan purposive sampling dengan 82 sampel ppenelitian. Data didapat dari kuisioner dan wawancara singkat kepada responden. Pengujian dilakukan menggunakan uji validitas dan reabilitas untuk kuisioner terlebih dahulu. Kemudian pengujian dilakukan dengan analisis korelasi dan determinasi selanjutnya menguji menggunakan Analisis regresi berganda menggunakan SPSS versi 20 dan Microsoft Excel. Penelitian ini menjawab bahwa secara parsial variabel pengetahuan tidak berpengaruh terhadap kinerja sedangkan 2 variabel lain yaitu keterampilan dan kemampuan berpengaruh pada kinerja SDM UMKM. Secara simultan variabel kompetensi SDM berpengaruh pada kinerja SDM UMKM di Magelang Tengah. Penelitian ini memiliki keterbatasan penelitian yaitu objek dari penelitian ini dirasa masi kurang luas cakupannya hanya pada Magelang Tengah saja. Pada kondisi lapangan kita melihat bahwa tidak semua pelaku UMKM paham mengenai kompetensi SDM.
Determinasi Konsentrasi Kepemilikan dan Tipe Kepemilikan terhadap Kinerja dan Risiko Perbankan di Indonesia: The Determination of Concentration and Type of Ownership on Bank Performance and Risks in Indonesia Sijabat, Yacobo P; Sinabutar, Michael Jeffri; Hirawati, Heni; Giovanni, Axel
Society Vol 8 No 1 (2020): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v8i1.152

Abstract

This research aims to examine the determination of concentration and type of ownership on the performance and risks of banks listed on the Indonesia Stock Exchange (IDX) for the period 2000-2018. This research was quantitative research using panel data regression analysis methods. The main characteristic of panel data regression analysis is the use of the Hausman test. Data were obtained and collaborated from several data providers such as Osiris, Bloomberg, and the Financial Services Authority (Otoritas Jasa Keuangan or OJK) website. Secondary data were collected from 42 banks listed on the Indonesia Stock Exchange (IDX) using a purposive sampling technique. The data was processed using Stata software. The ownership concentration was measured using the Herfindahl-Hirschman Index (HHI) and foreign and domestic ownership as the proxy using the dummy variable. To measure bank performance, this research was used ROA and ROE proxy while the standard deviation of returns was used to measure bank risks. The results of the research showed that there was no effect of ownership concentration on bank performance. Also, domestic ownership has a positive effect on bank performance. In terms of risks, ownership concentration has a positive effect on bank risks. The more concentrated the ownership of the bank, the bank will more at risks. Besides, foreign and domestic ownership affects bank risks. Foreign ownership has a positive effect on bank risks. The level of foreign ownership of the bank affects bank risks. High foreign ownership puts the bank at risk.
Literasi Keuangan, Toleransi Risiko, dan Pengelolaan Keuangan Pelaku Usaha Mikro Hirawati, Heni; Sijabat, Yacobo P; Giovanni, Axel
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.277

Abstract

Micro-enterprises have a significant role in the country’s economy. However, business owners must face various problems to develop their business. One of the problems is the limited funding for micro-enterprises due to the low financial literacy of business owners. In addition, the business owner’s tolerance for risk is also expected to affect the financial management of micro-enterprises. This study aims to determine the level of financial literacy and tolerance of business owners and the financial management of micro-enterprises. This research method uses a questionnaire distributed to micro-enterprise owners in Central Java Province and Yogyakarta Special Region. The results showed that the level of financial literacy of micro-enterprise owners was in the medium category. Micro-enterprise owners have a neutral attitude towards risk and are not individuals who dare to take risks but do not avoid risk. Financial management carried out by business owners is still in the poor category. Improvement of financial literacy, understanding of risks, and financial management of micro-enterprises still need to be done.