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All Journal Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Majalah Ilmiah Warta Dharmawangsa Proceedings of International Conference on Da'wa and Communication Jurnal Ilmiah Al-Tsarwah Idarotuna: Jurnal Kajian Manajemen Dakwah Masjiduna : Junal Ilmiah Stidki Ar-Rahmah Jurnal Manajemen Dinamika MABIS: Jurnal Manajemen Bisnis Syariah Journal of Islamic Management Abdimas Indonesian Journal Jurnal Manajemen Pemasaran dan Perilaku Konsumen Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) Journal of Economic, Management and Entrepreneurship Jurnal Intelek Dan Cendikiawan Nusantara Mudabbir Jurnal Intelek Insan Cendikia Jurnal Manajemen Dakwah TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Jurnal Kajian Ekonomi dan Perbankan Syariah Waralaba : Journal Of Economics and Business KARIR Jurnal Ilmiah Manajemen Journal of Islamic Economics Studies and Practices (JIESP).
Zakariya, Novie Andriani
Unknown Affiliation
Religion Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Manajemen Keuangan dalam Mempertahankan Daya Saing Produk Kecantikan Wardah Novie Andriani Zakariya; Naila Najwa Alfahira
KARIR Jurnal Ilmiah Manajemen Vol. 5 No. 1 (2026): KARIR Jurnal Ilmiah Manajemen
Publisher : Prodi Manajemen Universitas Pamulang Kampus Serang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/karir.v5i1.55671

Abstract

Pergeseran pola penjualan dari toko fisik kanal digital melalui e-commerce dan marketplace menuntut Wardah untuk mengelola manajemen keuangan secara adaptif agar daya saing produk kecantikannya tetap terjaga di tengah persaingan industri kosmetik yang semakin ketat. Penelitian ini bertujuan menganalisis peran manajemen keuangan Wardah dalam mempertahankan dan memperkuat produk kompetitifnya melalui pengelolaan pendapatan, biaya, dan investasi pada kanal posisi offline dan online secara seimbang. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan studi pustaka, menggunakan data sekunder dari jurnal, skripsi, laporan perusahaan, serta data olahan mengenai proporsi pendapatan penjualan Wardah periode 2021–2025. Hasil menunjukkan bahwa kontribusi pendapatan offline cenderung menurun dari sekitar tiga per empat menjadi sedikit di atas setengah dari total penjualan, sementara pendapatan online meningkat hampir menyamai porsi kanal tradisional, yang mencerminkan keberhasilan strategi digital, pemanfaatan pasar, dan penguatan aktivitas pemasaran berbasis media sosial. Temuan ini menegaskan bahwa integrasi saluran, pengaturan struktur harga, pengelolaan anggaran promosi, serta investasi pada infrastruktur digital dan jaringan distribusi offline menjadi faktor penting dalam menjaga kinerja keuangan dan daya saing Wardah. Penelitian menyimpulkan bahwa manajemen keuangan yang terencana dan responsif terhadap perubahan perilaku konsumen memungkinkan Wardah mengoptimalkan strategi omni-channel, mempertahankan profitabilitas, dan memaksimalkan citra halal sebagai keunggulan diferensiasi di pasar kosmetik Indonesia.
Strengthening Creative Entrepreneurship through Digital Marketing Education in Kwangsan Village, Sidoarjo Choirul, Adi Basuki; Zakariya, Novie Andriani; Ulum, Syahrul; Roni, Mukhamad; Ilham, Moh.
Abdimas Indonesian Journal Vol. 6 No. 1 (2026)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.1308

Abstract

This community service activity aims to strengthen the creative entrepreneurship of the people of Kwangsan Village, Sidoarjo Regency through digital marketing education. This activity was motivated by the suboptimal use of digital media by village communities in marketing creative business products, even though the potential for local resources and financial capital was relatively adequate. The method used is a descriptive-participatory approach through Participatory Action Research (PAR) by involving the people of Kwangsan Village from the stage of needs assessment, planning, implementation, to evaluation. Education is focused on the use of social media, marketplaces, and digital content strategies as a means of marketing creative businesses. The results of the activity showed an increase in participants' knowledge and skills in digital marketing, which had an impact on increasing the readiness of the community in developing creative businesses based on local potential in Kwangsan Village. This activity contributes to strengthening the local entrepreneurial ecosystem and has the potential to become a model for sustainable village community empowerment in Sidoarjo Regency.
Peran Literasi Keuangan dalam Meningkatkan Kemandirian Ekonomi UMKM Sidoarjo Tiara Aulia; Novie Andriani Zakariya
Waralaba : Journal Of Economics and Business Vol. 3, No. 1 : Waralaba (Januari - Juni 2026)
Publisher : PT. Global Pustaka Imiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61590/waralaba.v3i1.263

Abstract

Penelitian ini bertujuan untuk mempelajari bagaimana kemampuan memahami dan mengelola keuangan dapat membantu meningkatkan kemandirian ekonomi para pelaku Usaha Mikro Kecil Menengah (UMKM) di Sidoarjo. Rendahnya pemahaman mengenai pengelolaan keuangan mengakibatkan banyak UMKM tidak membuat catatan keuangan, tidak memisahkan keuangan pribadi dan usaha, dan kesulitan membangun usaha sendiri tanpa bantuan orang lain. Penelitian ini menggunakan pendekatan deskriptif kualitatif dengan melakukan wawancara mendalam pada pelaku UMKM. Hasil penelitian menunjukkan bahwa kemampuan literasi keuangan sangat penting untuk membantu UMKM mengelola arus kas, membuat perencanaan keuangan, mengurangi risiko, serta meningkatkan kemampuan memenuhi kebutuhan modal tanpa harus berrgantung pada pinjaman eksternal. meski begiru, masih ada hambatan seperti kurangnya kebiasaan mencatat keuangan, keuangan usaha dan pribadi yang tercampur, serta rendahnya pegetahuan tentang cara pengelolaan modal. Penelitian ini menyimpulkan bahwa meningkatan literasi keuangan adalah kunci Utama untuk mencapai kemandirian ekonomi bagi UMKM di Sidoarjo.
ANALYSIS OF SHARIA FINANCIAL MANAGEMENT IMPLEMENTATION IN THE MICRO, SMALL, AND MEDIUM ENTERPRISE (MSME) Athiyyah Athiyah; Novie Andriani Zakariya
Jurnal Ilmiah Al-Tsarwah Vol. 8 No. 2 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-tsarwah.v8i2.10887

Abstract

MSMEs play a strategic role in the Indonesian economy, including those based on sharia values. This research aims to analyze the implementation and constraints of sharia financial management at the Dapoer Kenyit-Kenyit MSME in Gresik Regency, as a case study of a micro-enterprise in the culinary sector. The research uses a qualitative approach with field study methods. Data was collected through in-depth interviews with business owners and employees, as well as documentation studies. The data was analyzed descriptively to understand the practices and challenges faced. The research results indicate that the implementation of sharia financial management is still in the developmental stage. The main constraints include limited practical understanding of sharia principles in financial recording, difficulty in separating personal and business finances, and limited access to sharia financing appropriate for the micro-scale. Recording is still manual and not yet supported by a formal reporting system. Practical assistance is required to enhance sharia financial capacity and simplify access to sharia financing tailored to the characteristics of micro-enterprises. This support is expected to strengthen sustainable financial governance aligned with Islamic economic principles.
Co-Authors Adi Basuki Choirul Agustina, Latifah Agustina Ahsan, Muhamad Airlangga Bramayudha Alda Yasfa Azzahra almaliki, mohammad syauqi AMALIYAH, HILDA Ameliya, Walida Amrulloh Achmad Amin Andrian Joko Saputro Aninda Celina Alya Riza Ardiansyah, Vicky Athiyyah Athiyah Audya, Meilynda Triana Az Zahra, Atnandia Azryan, Muhammad Irfan Azzahra, Alda Yasfa Bramayudha, Airlangga Candra Bagus Ainur Rochman celina, aninda Dia, Maulud Elfira Diah Asmawardani Faizatur Rachmaniah Faruk, Royan Umar Fatimatus Zahro Hakim, Ahmad Khairul HAKIM, IQBAL MAULANA Hidayah, Nur Lailatul Iftitah, Anggi Ilham, Moh Ilham, Moh. Kamalia, Luthfiyatul Khafila Roudhotul Jannah Khafila Roudhotul Jannah Kholilulloh, Moch. Wildan Leni, Leni Kirani Lifahmi, Elzy Aureliya Lutfia Sahrani Luthfiyatul Kamalia Millah, Izzatul Moh Ilham Moh. Ilham Mufarrichatul Awaliyah Mufidah, Zulfatul Muhammad Chadziq Zamakhsyar Muhammad Firdan Chazim Muhammad Riky Ramadhani Muhammad Syahrul Ulum Muhammad Wildan Arditya Naila Najwa Alfahira Naja, Irsyandiah Nurin Nizam, Maulana Nur Amelina Nur Hayati Sufi Nur Syam Nur ViVi Fidyaningrum PRATAMA, BAYU WIRA Putra, Alvine Syahrengga Putri Wahyuni Rachmaniah, Faizatur Rahma Dzakiyyah Razan Rafi Nashifan Razana, Aufa Wahyu Riyan Hidayatulloh Riza, Aninda Celina Alya Rochman, Candra Bagus Ainur Rohadatul, Cendikia Roni, Mukhamad Safaro, Uci Silviatus Sahrani, Lutfia Salma Nabila Sandi, Naisya Sesarea Ula Winaya Sirajul Arifin Sulaiman Tanjung, Sultan Tiana Rahmanita Firdaus Tiara Anggraini Tiara Aulia Ula, Barokatur Rizkiyatul Wardani, Intan YULIANA RAHMAWATI Yuslim Fadel Abdillah