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All Journal IJHCM (International Journal of Human Capital Management) JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Journal of Sylva Indonesiana SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Current : Jurnal Kajian Akuntansi dan Bisnis Terkini Jurnal Widyaiswara Indonesia Buletin Poltanesa Jurnal Bina Ketenagakerjaan Jurnal Kolaboratif Sains Jurnal Prajaiswara Jurnal Manajemen Perbankan Keuangan Nitro Jurnal Jaminan Kesehatan Nasional JBSI: Jurnal Bahasa dan Sastra Indonesia JPLED ABDIMAS Jurnal Media Akademik (JMA) Buletin Ilmiah Litbang Perdagangan Andragogi Kesehatan Jurnal Nusa Manajemen As-Syirkah: Islamic Economic & Financial Journal
Erwinsyah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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Analysis of Key Financial Variables for the Performance of East Nusa Tenggara Regional Owned Water Companies Anggreini, Reren; Nurafifa; Ramdani, Rahmania; Wu'on, Okto Genrius Basilea; Erwinsyah
Jurnal Prajaiswara Vol. 6 No. 3 (2025): Desember 2025
Publisher : Badan Pengembangan Sumber Daya Manusia (BPSDM) Provinsi Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55351/prajaiswara.v6i3.241

Abstract

Introduction/Main Objectives: This study analyzes the financial performance of PDAMs in East Nusa Tenggara Province from 2019 to 2023 in relation to Return on Equity (ROE), Operating Ratio, and Cash Ratio. Research Methods: After passing traditional assumption tests, multiple linear regression was used to perform quantitative analysis using secondary data from 15 PDAMs (75 observations). Finding/Results: The findings show that while the Operating Ratio has no significant impact on financial performance, ROE and Cash Ratio have a favorable and significant impact. With the highest beta coefficient (0.656), ROE emerges as the most important variable. These results indicate that short-term variations in operational efficiency have a smaller impact on the financial success of PDAMs than the utilization of equity capital and effective liquidity. Conclusion: To improve the financial performance of PDAMs, this report suggests a strategic focus on increasing profitability and strengthening liquidity.
IMPLEMENTASI QRIS SEBAGAI STRATEGI DIGITALISASI TRANSAKSI UNTUK MENINGKATKAN EFISIENSI PADA UMKM: STUDI KASUS WARUNG MAKAN NYANYU Shafira, Andi Nur Ram; Erwinsyah; Phatra Anggana Djuri; Femilia Zahra
Jurnal Nusa Manajemen Vol. 3 No. 1 (2026): Jurnal Nusa Manajemen Volume 3 Nomor 1 Maret Tahun 2026
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v3i1.324

Abstract

Digital transformation is essential for Micro, Small, and Medium Enterprises (MSMEs) to improve efficiency and competitiveness. The Quick Response Code Indonesian Standard (QRIS), introduced by Bank Indonesia, unifies multiple digital payment codes into a single national standard. This study aims to describe the implementation of QRIS at Warung Makan Nyanyu in Palu City, focusing on efficiency benefits, challenges, and adaptation strategies. A qualitative case study was employed, using semi-structured interviews, direct observation, and transaction documentation. The findings reveal that QRIS enhances transaction speed, provides automatic recording that reduces manual errors, and minimizes risks associated with cash handling. However, challenges include unstable internet connectivity, low digital literacy among some customers, and the burden of the Merchant Discount Rate (MDR). Strategies adopted include providing backup data packages, educating customers, and offering digital payment discounts. The study highlights QRIS as not only a payment tool but also a vital instrument for MSME digital transformation and financial inclusion.
Co-Authors Adi Wijayanti, Fallah Afiyah, Adilah Ahmad Sulaiman Ainun, Alya Fia Alicia Brigita Muhaling Ametzaluna, Carrisa Irka Andi Mattulada Amir Angelica Amanda Anggreini, Reren Anipah, Anipah Anita Sari anugrah, mutiara Apolonia Emrianti Meo Aprilia, Alya Apriyanti, Adelia Armin, Muhammad Khalil Muhtadin Asti Irawati Azan Blake, John Cikita Zahwa, Bela Corina, Intan Datu Adela Putri Tandungan Dian Safita Dosiema, Vernanda Enggar Khoviva Dwianingrum Femilia Zahra Femillia Zahra Fitriani Fradika Oktavianus Bernadi Siahaan Gultom, Novianti Br. Haedar, Sitti Fadila Haratua, Chandra Sagul Hartono, Rudi Heru Suparman Irwan J. Kalatasik, S.Si, Arniati Jajang Sutiawan Januar Prakarsa, Egar johana Langenbrunner, Jack M. Yogi Riyantama Isjoni Mamik Suendarti Mangensiga, Febrianti Masruddin Megawati Mile, Yuldi Misbahul Aulia Miswati moh bintang hidayah Moh. Bintang Hidayah Muhammad Din Muhammad Jajuli Mukhtar, Abdul Hakim Nabila, Siska Nina Yusnita Yamin Novelia, Elsa Nur Fitri Rahmawati Nur Rahma Nurafifa Nurholipah Pairi, Agus Pali'padang, Sarman Pali, Fayza Pascal Willhard Pardamean Phatra Anggana Djuri Putri Putri Indi Odivia Rahayu Indriasari Ramdani, Rahmania rara aprilia Ratnafuri, Miranti Renal Pradisti Riama, Apni Rifka Fadila Rina Diana Lestari Rudi Usman Rudy Adriyadi Rudy Usman Saputra, Arisandy Selfina Lahabu Shafira, Andi Nur Ram Suci Deliya Natasya Sucipto, Tito Surini, Dwi Suriyadi Surosa, Lia Yulianti Suryadi Imran, Suryadi Tri Andini, Febri Tumampa, Jezzika Virgana Wardanu, Gilang Yoga Wu'on, Okto Genrius Basilea Yuly Azahra Yummy Jumiati Marsa Zahra, Andi