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All Journal Jurnal Ilmiah Manajemen dan Bisnis (JIMB) Management Studies and Entrepreneurship Journal (MSEJ) Formosa Journal of Sustainable Research (FJSR) Indonesian Journal of Society Development (IJSD) Jurnal Pengabdian Masyarakat Journal of Fundamental Management (JFM)
Oktaviar, Chairiel
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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Pengaruh Kualitas Pelayanan, Kepercayaan, dan Kenyamanan terhadap Keputusan Menggunakan QRIS sebagai Alat Pembayaran Digital Oktaviar, Chairiel; Arief, Harefan; Saratian, Eko Tama Putra
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 2 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i2.5291

Abstract

Perkembangan dan kemajuan teknologi digitalisasi sistem pembayaran dengan uang elektronik terus berjalan, seiring dengan semakin banyaknya aplikasi dompet elektronik dan aplikasi ecommerce sebagai follower atas sukses yang telah di raih oleh beberapa aplikasi dompet elektronik, pembayaran merupakan tahap finishing dari sebuah transaksi pada sebuah bisnis/usaha akan menciptakan kualitas pelayanan (service quality) yang di berikan akan menumbuhkan rasa percaya (trust) dan memberikan kenyamanan (convenience) dalam bertransaksi, hasil akhirnya adalah keputusan untuk menggunakan kembali sistem pembayaran digital dengan menggunakan QRIS, hasil penelitian ini telah membuktikan bahwa kualitas pelayanan, kepercayaan dan kenyamanan berpengaruh positif dan signifikan terhadap keputusan menggunakan QRIS.
PENGARUH KOMPENSASI, MOTIVASI DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN (Studi Pada Karyawan Tetap PT Citra Sigma Kertaswara Indonesia) Rikha, Salsa Rikha; Oktaviar, Chairiel
Journal of Fundamental Management (JFM) Vol 4, No 3 (2024): NOVEMBER 2024
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jfm.v4i3.28914

Abstract

This study aims to analyze the effect of compensation, motivation and workenvironment on the performance of permanent employees at PT. Citra Sigma Kertaswara Indonesia. The population in this study is permanent employees of PT. Citra Sigma Kertaswara Indonesia as many as 40 peoples using a quantitative approach and using saturated sample techniques for determining sample size. The data collection method uses a survey method with questionnaires as research instruments. The approach used is the Structural Equation Model (SEM) with Smart-PLS analysis. The results of this study prove that compensation has a positive and significant effect on employee performance, motivation has a positive insignificant effect on employee performanceand the work environment has a positive and significanteffect on employee performance.
The Effect of Profitability and Liquidity on Firm Value with Financial Distress as a Mediating Variable Arief, Harefan; Oktaviar, Chairiel; Saratian, Eko Tama Putra; Soelton, Mochamad; Yuliantini, Tine
Jurnal Ilmiah Manajemen dan Bisnis Vol 10, No 3 (2024): Jurnal Ilmiah Manajemen dan Bisnis
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jimb.v10i3.26841

Abstract

Financial distress is a phase that precedes the state in which a business faces incapacity or failure, which can even lead to bankruptcy. If a company experiences a lack of funds for internal financing, a solution can be found by utilising debt as a source of external funding from other parties. Business failure and the risk of bankruptcy are often fears in a competitive business environment. Financial distress arises when a company is unable to fulfil its payment obligations or repay its debts. For internal companies, bankruptcy analysis is useful as an early warning against potential bankruptcy, providing an opportunity to maintain business continuity or sustainability. Therefore, the risk of bankruptcy can be minimised through proper analysis, allowing for a quick improvement. Some commonly used models to analyse corporate financial distress include the Altman, Springate, and Zmijewsk models. This study aims to analyse and identify the influence of fundamental factors represented by ratios, such as ROA Ratio, Current Ratio, and Firm Value, on the condition of Financial Distress in mining sector stocks on the Indonesia Stock Exchange. The research will focus on the impact of Profitability and Liquidity on Firm value, with Financial Distress as a mediating variable.The research results can be described as follows ROA has no effect on Firm Value. Current Ratio has no effect on Firm Value. ROA has no effect on Financial Distress. Current Ratio has a positive and significant effect on. Financial Distress, Financial Distress has a significant positive effect on Firm Value. Financial distresscannot mediate the relationship of Profitability (ROA) to Firm Value. Financial distress cannot mediate the relationship of Liquidity (Current Ratio) to Firm Value.
Pengaruh Kepercayaan, Biaya Transaksi dan Kenyamanan Terhadap Keputusan Pedagang Menggunakan QRIS Sebagai Sistem Pembayaran Digital Oktaviar, Chairiel; Iramawan, Dhani; Arief, Harefan
Journal of Fundamental Management (JFM) Vol 5, No 2 (2025): JULI 2025
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jfm.v5i2.34749

Abstract

In the era of rapid digitalization, the need for a fast, easy, cheap, safe and reliable payment system is becoming increasingly important. The Quick Response Code Indonesian Standard (QRIS), launched by Bank Indonesia, is here as an innovative solution to support non-cash transactions in various economic sectors. In its use, there are 3 (three) main aspects that are of concern to the public and business actors, namely the level of trust, the amount of transaction costs, and the convenience of QRIS users. In addition, the number of merchants, both street vendors and managed MSMEs who use and accept QRIS as a non-cash (digital) payment tool has also grown rapidly. According to data sources from Bank Indonesia (BI) until the end of the first quarter of 2025 (March 2025), QRIS consumer users reached 56.3 million people, while the number of Merchants (QRIS Receiving Merchants) was 38.1 million, most of which were MSMEs. Bank Indonesia is targeting that by the end of 2025 the number of QRIS consumer users will reach 58 million. The figures above show the large penetration and market share of QRIS in Indonesia both in terms of consumer users and merchants, this phenomenon indicates that the trust variable, transaction cost variable and convenience variable have a positive and significant effect on the increase in the number of consumers and merchants using QRIS, this proves that the adoption process of non-cash (digital) payment systems using QRIS is increasingly massive and inclusive until the end of the first quarter of 2025 (March 2025).
Sistem Pembayaran pada Usaha Makanan Kecil Khas Betawi untuk Keberlangsungan Usaha Masyarakat di Wilayah Kelurahan Joglo Jakarta Barat Oktaviar, Chairiel; Utama, Andyan Pradipta; Arief, Harefan
BESIRU : Jurnal Pengabdian Masyarakat Vol. 1 No. 4 (2024): BESIRU : Jurnal Pengabdian Masyarakat, April 2024
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/edv92n81

Abstract

Fenomena menunjukan begitu besarnya minat dan niat masyarakat untuk mendapatkan penghasilan (income) untuk memenuhi kebutuhan dan tuntutan untuk tetap bisa bertahan hidup (survive) yang harus terus diperjuangkan, maka timbullah inisiatif untuk membuka usaha kecil di tengah adanya permasalahan keterbatasan financial (modal), keterbatasan pengetahuan tentang sistem pembayaran (finansial tekhnologi) dan juga permasalahan pengetahuan strategi pemasaran berbasis digital, ketiga permasalahan tersebut justru menjadi tantangan dan penyemangat untuk dipelajari dan moment kegiatan pengabdian kepada masyarakat ini menjadi kesempatan terbaik untuk dapat berbagi ilmu pengetahuan dan pengalaman kepada masyarakat peserta dan mitra UMKM, agar tetap dapat mempertahankan keberlangsungan usaha yang telah dirintis.
PEMANFAATAN TEKNOLOGI ARTIFICIAL INTELEGENCE (AI) DALAM MENINGKATKAN PENJUALAN DAN SUSTAINABILITY BISNIS UMKM Arief, Harefan; Oktaviar, Chairiel; Saratian, Eko Tama; Nuryadi, Hasan; Stephani, Suzan Bernadetha
BESIRU : Jurnal Pengabdian Masyarakat Vol. 1 No. 6 (2024): BESIRU : Jurnal Pengabdian Masyarakat, Juni 2024
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/mgjxst31

Abstract

Teknologi kecerdasan buatan saat ini berkembang pesat dari waktu ke waktu, namun banyak UMKM yang belum sepenuhnya memanfaatkan teknologi ini untuk kemajuan bisnis mereka. Para pemilik UMKM beranggapan bahwa teknologi kecerdasan buatan atau AI hanya dapat digunakan oleh industri yang mumpuni dengan teknologi serta bisnis kreatif dan digital. Pemilik usaha UMKM di wilayah Jakarta Barat, khususnya di Kelurahan Srengseng, terpantau masih menggunakan cara-cara tradisional dalam berbisnis dalam artian masih belum memanfaatkan teknologi digital internet secara efektif. Selama ini teknologi digital yang digunakan oleh para pelaku usaha adalah teknologi digital dasar seperti menawarkan produknya melalui SMS atau media sosial seperti Facebook, Instagram, dan Whatsapp. Hal ini dikarenakan keterbatasan pengetahuan dan sumber daya manusia yang mampu mengelola bisnis dengan menggunakan teknologi digital. Berdasarkan permasalahan yang telah diuraikan di atas, sebagai lembaga pendidikan dimana perguruan tinggi memiliki tanggung jawab kepada masyarakat untuk memberikan solusi yang akan dilakukan seperti memberikan pelatihan kepada masyarakat mitra UMKM dalam meningkatkan pengetahuan dan literasi serta peningkatan keterampilan dalam teknologi digital yang lebih canggih yaitu dengan pemanfaatan artificial intelligence atau kecerdasan buatan dan membantu memastikan implementasi teknologi ArtificiaI Intelligence yang dapat dimanfaatkan dalam rangka meningkatkan inovasi baik inovasi produk, inovasi promosi sehingga akan dapat meningkatkan penjualan yang pada akhirnya bertujuan untuk keberlanjutan usaha (sustainable).
Advancing the Financial Inclusion with Profit Sharing Scheme for the Sustainability of Indonesian MSMEs Saratian, Eko Tama Putra; Arief, Harefan; Oktaviar, Chairiel; Marlapa, Eri; Soelton, Mochamad
Indonesian Journal of Society Development Vol. 3 No. 3 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijsd.v3i3.9884

Abstract

This community service is related to economic society development by introducing financial inclusion with the profit-sharing financing scheme for the sustainability of The Indonesian Micro, Small, and Medium Enterprises (MSMEs). The partner of this community service is Pondok Aren District, in this case, the Cooperatives & UMKM Service, South Tangerang, Banten 15228. Pondok Aren District is multiplying, with a population of around 294,996. This is directly proportional to the number of MSMEs reported based on the SKDU document, which is around 1,373. Currently, the government, through the Financial Services Authority (OJK), is calling on the public to continue to encourage the progress of the Sharia Financial Industry, which has grown rapidly in the last five years both. For this reason, there is a need for an advancement in understanding Sharia profit-sharing financing and literacy about Sharia financing products that can be implemented for the MSMEs
The Influence of Sales Growth, Profitability, Liquidity and Firm Size Towards Financial Distress Arief, Harefan; Saratian, Eko Tama Putra; Oktaviar, Chairiel; Marlapa, Eri; Soelton, Mochamad
Formosa Journal of Sustainable Research Vol. 3 No. 8 (2024): August 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjsr.v3i8.10636

Abstract

There are several models that can be used in analyzing a company's Financial Distress, the most widely used is the Altman model. The study aims to analyze and identify the influence of fundamental factors represented by ratios such as Sales Growth Analysis, ROA Ratio, Current Ratio, and Firm size on Financial Distress conditions. This research was conducted on financial statements of oil and gas mining sector. Data was collected using data panel with multiple linear regression technique analysis. Data was proceed using Eviews 12. The result show Sales growth, ROA, Current Ratio and TATO ratio have a partially significant effect on Financial Distress. Sales growth ROA, Current Ratio and TATO ratio together and a simultaneous have an effect on Financial Distress
Co-Authors Arief, Harefan Eko Tama Putra Saratian Eri Marlapa Iramawan, Dhani Mochamad Soelton Nuryadi, Hasan Retiana, Rischa Ria Rikha, Salsa Rikha Stephani, Suzan Bernadetha Tine Yuliantini Utama, Andyan Pradipta