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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).