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All Journal REFLEKSI EDUKATIKA Jurnal Ekonomi Islam Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Martabe : Jurnal Pengabdian Kepada Masyarakat NUSANTARA : Jurnal Ilmu Pengetahuan Sosial JURNAL MANAJEMEN BISNIS Jambura Accounting Review Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi PERSPEKTIF SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Jurnal Geuthee El-kahfi : Journal of Islamic economics Jurnal Ekonomi Syariah Pelita Bangsa Journal Of Business, Finance, and Economics (JBFE) CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Journal Islamic Economics Ad Diwan Proceeding of The International Conference on Economics and Business Jurnal Manajemen Bisnis Kewirausahaan Jurnal Visi Manajemen (JVM) Proceeding National Conference Business, Management, and Accounting (NCBMA) The International Conference on Education, Social Sciences and Technology (ICESST) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Cakrawala: Jurnal Pengabdian Masyarakat Global Jurnal Mahasiswa Manajemen dan Akuntansi Jurnal Manajemen dan Ekonomi Kreatif Jurnal Ekonomi Islam Indonesian Economic Review Faedah: Jurnal Hasil Kegiatan Pengabdian Masyarakat Indonesia Master Manajemen Moneter : Jurnal Ekonomi dan Keuangan Journal of Fisheries & Marine Studia Ekonomika International Journal of Management, Accounting & Finance Abdurrauf Journal of Community Service Mu'amalatuna: Jurnal Ekonomi Syariah International Journal of Business, Marketing, Economics & Leadership International Journal of Business Law, Business Ethic, Business Communication & Green Economics (IJBGE) Journal of Economic and Leadership
Ruslaini, Ruslaini
Sekolah Tinggi Ilmu Ekonomi Kasih Bangsa
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Transformasi Digital dalam Manajemen Keuangan: Studi Kasus pada UMKM Indonesia di Era Ekonomi Digital Mohamad Chaidir; Ruslaini Ruslaini; Dadang Irawan
Jurnal Mahasiswa Manajemen dan Akuntansi Vol. 4 No. 1 (2025): April-September: JUMMA'45: Jurnal Mahasiswa Manajemen dan Akuntansi
Publisher : Fakultas Ekonomi Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/jumma45.v4i1.4138

Abstract

This study analyzes the impact of digital transformation on the financial management of micro, small, and medium enterprises (MSMEs) in Indonesia in the digital economy era. MSMEs play a crucial role in the national economy but face challenges such as low digital and financial literacy levels, limited technology access, and uneven infrastructure. Digital transformation offers various opportunities, including operational efficiency, financial reporting transparency, and access to fintech-based financial services. However, risks such as data security and resistance to change remain concerns. This research uses a literature review method to identify strategies that can support MSMEs in adopting digital technology. The findings indicate that digital literacy, government support, and technological infrastructure development are key elements in maximizing the benefits of digital transformation. This study provides practical contributions for MSME actors and policymakers to create an ecosystem that supports the sustainability and competitiveness of MSMEs in the digital era.
Pengaruh Literasi Keuangan terhadap Keberlanjutan Bisnis UMKM di Indonesia Mohammad Chaidir; Grace Yulianti; Ruslaini Ruslaini
JUMBIWIRA : Jurnal Manajemen Bisnis Kewirausahaan Vol. 4 No. 1 (2025): April : Jurnal Manajemen Bisnis Kewirausahaan
Publisher : BADAN PENERBIT STIEPARI PRESS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56910/jumbiwira.v4i1.2079

Abstract

This study examines the impact of financial literacy on the business sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. MSMEs play a strategic role in the national economy but face challenges such as limited access to financing and suboptimal financial management. Financial literacy is key in helping MSMEs manage cash flow, access formal financial services, and make sound investment decisions. This research employs a literature review method to evaluate the relationship between financial literacy and MSME business sustainability. The findings reveal that financial literacy influences financial decision-making, enhances access to financing, and reduces financial risks. Additionally, aspects such as budget planning, debt management, and the use of financial technology significantly affect MSME sustainability. This study provides strategic recommendations, including implementing integrated financial literacy education programs utilizing digital technology and collaborating with financial institutions to support sustainable MSME growth.
EMOTIONAL INTERACTION ON BUYING DECISION, THE ROLE OF APPROPRIATE USEFULNESS AND ADIDAS RUNNING SHOE PRODUCT (AN EMPIRICAL STUDY IN JABODETABEK) Ruslaini; Derren Christof Wilson; John Tampil Purba
Proceeding National Conference Business, Management, and Accounting (NCBMA) 8th National Conference Business, Management, and Accounting
Publisher : Faculty of Economics and Business Universitas Pelita Harapan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

In globalization, the number of brands and products that have rivalry in the market has increased significantly, giving consumers many choices and alternatives of products and services to meet their wants and needs. Every brand and product must maintain Brand Familiarity, Intimacy, and Perceived Quality to increase repurchase intentions and generate emotional customer responses. This study aims to see the effect of Brand Familiarity, Intimacy, and Perceived Quality on purchase intentions. In addition, this study also wants to know the impact of purchase intentions on emotional responses to purchase intentions. The theory used is the Stimulus-Organism-Response (S-O-R) theory. This quantitative study uses questionnaires from respondents who are users of Adidas sports shoes from the running sports branch and who use Adidas brand sports shoes.
Pengaruh Ekspektasi Kinerja, Ekspektasi Upaya, Dan Keamanan Yang Dirasakan Terhadap Minat Menggunakan Pembayaran Digital Di Jabodetabek Rizal, Muhammad; Ruslaini, Ruslaini; Dwi Aprilia, Sabrina
Studia Ekonomika Vol. 23 No. 2 (2025): Juli: Studia Ekonomika
Publisher : STIE KASIH BANGSA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/studiaekonomika.v23i2.180

Abstract

Penelitian ini memiliki tujuan untuk mengetahui pengaruh dari ekspektasi kinerja ekspektasi upaya, dan keamanan yang dirasakan terhadap minat menggunakan digital payment di Jabodetabek. Penelitian ini menggunakan metode kuantitatif dengan menggunakan data primer yang didapatkan dari kuesioner yang disebar. Populasi dalam penelitian ini mencakup pengguna digital payment dari berbagai latar belakang, seperti masyarakat umum, mahasiswa, pekerja, dan sebagainya, yang menggunakan atau tertarik menggunakan pembayaran digital dalam transaksi keuangan mereka di wilayah Jabodetabek. Dengan menggunakan metode pengambilan sampel yang dapat digunakan untuk judul tersebut adalah metode pengambilan sampel acak (random sampling). Dalam metode ini, setiap anggota populasi memiliki peluang yang sama untuk dipilih sebagai sampel. Analisis data menggunakan software SPSS Versi 25 untuk uji instrumen, analisis deskriptif dan regresi linier berganda, uji asumsi klasik, dan uji hipotesis/statistik. Penelitian menunjukkan bahwa ekspektasi kinerja, ekspektasi upaya dan keamanan yang dirasakan berpengaruh positif dan signifikan secara parsial dan simultan terhadap minat menggunakan digital payment.
Kepatuhan Pajak UMKM: Analisis Empiris atas Faktor Internal dan Eksternal Wajib Pajak UMKM di DKI Jakarta Agustinus, Rendy; Ruslaini, Ruslaini; Amelia, Yessica
Jambura Accounting Review Vol. 6 No. 2 (2025): Jambura Accounting Review - August 2025
Publisher : Program Studi S1 Akuntansi Jurusan Akuntansi, Fakultas Ekonomi Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/jar.v6i2.177

Abstract

Penelitian ini mengkaji dampak tarif pajak, kualitas pelayanan fiskus, pengetahuan pajak, dan kesadaran wajib pajak terhadap kepatuhan wajib pajak UMKM. Berbeda dari penelitian sebelumnya, studi ini menggunakan pendekatan analisis garis kontinum yang masih jarang digunakan untuk mengevaluasi persepsi dan perilaku secara simultan. Penelitian dilakukan pada 155 pelaku UMKM di Jakarta Barat selama Maret-April 2025, dengan Teknik purposive sampling. Data dihimpun melalui kuesioner terstruktur dan dianalisis melalui Structural Equation Modeling with Partial Least Squares (SEM-PLS). Temuan studi ini menunjukkan bahwa keempat variabel secara signifikan memengaruhi kepatuhan pajak, baik satu persatu maupun secara bersamaan. Kesadaran wajib pajak memiliki efek terkuat, diikuti oleh pengetahuan pajak, tarif pajak, dan kualitas layanan fiskal. Analisis garis kontinum mendukung temuan ini, menunjukkan persepsi positif secara umum di semua variabel, terutama kesadaran wajib pajak dan tarif pajak. Namun, pengetahuan pajak meskipun dirasakan sedikit lebih rendah menunjukkan pengaruh perilaku yang lebih kuat daripada tarif pajak, menunjukkan persepsi dan perilaku tidak selalu selaras. Studi ini menyimpulkan bahwa peningkatan kepatuhan UMKM memerlukan fokus pada pendekatan edukatif dan personal, yang menguatkan aspek internal seperti kesadaran dan pemahaman, serta didukung layanan fiskus yang adaptif dan informai yang transparan mengenai kebijakan pajak dalam hal ini tarif pajak.
Market Segmentation and Advertising Strategy in the Digital Age: A Qualitative Analysis of the Impact of Imperfect Targeting Masitah, Siti; Ruslaini
International Journal of Business, Marketing, Economics & Leadership (IJBMEL) Vol. 1 No. 3 (2024): August : International Journal of Business, Marketing, Economics & Leadership
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbmel.v1i3.298

Abstract

This study examines the impact of imperfect targeting on market segmentation and digital advertising strategies through a qualitative literature review. In the rapidly evolving digital era, consumer targeting accuracy has become a major challenge, especially with increasing data privacy regulations such as the GDPR. The study reveals that inaccurate targeting can reduce advertising effectiveness and intensify competition among companies to capture high-value consumers. Additionally, technological and regulatory barriers often hinder the achievement of optimal results in data-driven marketing strategies. However, technological innovations such as artificial intelligence (AI) and machine learning have the potential to improve targeting accuracy, thereby enhancing the outcomes of advertising campaigns. This research also highlights the need for balancing targeting efficiency with compliance to privacy regulations, as well as adopting more adaptive, value-based marketing approaches to foster long-term consumer relationships. These findings offer crucial insights for companies in devising advertising strategies within the dynamic and complex digital landscape.
Volatility Management in Multifactor Portfolios: A Literature Review on Risk-Return Dynamics and Strategic Investment Implications Ruslaini Ruslaini; Muhammad Rizal; Sri Utami Nurhasanah
Indonesian Economic Review Vol. 5 No. 1 (2025): February : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v5i1.40

Abstract

This study aims to review the challenges faced in the risk-return relationship within multifactor portfolios, with a focus on the implications for market volatility management. Through a literature review, this research identifies various factors that influence volatility and how volatility management can enhance portfolio performance. The analysis reveals that while multifactor portfolios offer advantages in diversification and risk management, market volatility remains a key challenge in achieving a balance between risk and return. This study also uncovers that active volatility strategies outperform passive ones, but they require a deep understanding of market dynamics. The implications of this research provide insights for portfolio managers in designing investment strategies that are more adaptive to high market volatility.
The Impact of Digital Transformation on Corporate Financial Investments: A Literature Review Muhammad Rizal; Ruslaini Ruslaini; Grace Yulianti; Sri Utami Nurhasanah
Indonesian Economic Review Vol. 5 No. 1 (2025): February : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v5i1.41

Abstract

This study investigates the influence of digital transformation on corporate financial investments using a qualitative literature review approach. Digital transformation significantly affects investment decision-making, capital allocation, and operational efficiency. The integration of findings from previous research reveals that digital technologies encourage companies to shift focus toward intangible assets such as information systems and data analytics. However, challenges like resource limitations and readiness for adoption persist. Furthermore, government policies and digital skill development are critical in facilitating this transition. The findings provide valuable insights for companies and policymakers to leverage digital technologies for enhancing efficiency and competitiveness in the digital era.
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN CUSTOMER GEN Z PADA COFFE SHOP POINT COFFE BANDAR LAMPUNG: THE INFLUENCE OF SERVICE QUALITY ON GEN Z CUSTOMER SATISFACTION AT COFFEE SHOP POINT COFFEE BANDAR LAMPUNG Abdillah, Satria Yuda; Ruslaini; Heri Sutopo
JOURNAL ISLAMIC ECONOMICS AD DIWAN Vol 5 No 1 (2025): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/ad.v5i1.1727

Abstract

This study aims to analyze the effect of service quality on customer satisfaction among Generation Z at one of the coffee shops in Bandar Lampung, namely Point Coffee. The background of this research is based on the growing trend of Generation Z’s interest in coffee shops as part of a modern lifestyle. The research employed a quantitative approach using a survey method. Data were collected through an online questionnaire distributed to 100 respondents who are Generation Z consumers that have used the services of Point Coffee Bandar Lampung. The sampling technique used was purposive sampling to ensure that respondents met the research criteria. The results of the analysis show that service quality has a positive and significant effect on customer satisfaction. This is evidenced by the t-count value of 9.560, which is greater than the t-table value of 1.984, and a significance level of 0.000, which is less than 0.05. Furthermore, the relationship between the variables is categorized as strong, with a correlation coefficient of 0.695. Service quality contributes 48.3% to customer satisfaction, while the remaining percentage is influenced by other factors not examined in this study. These findings provide important implications for coffee shop management in formulating effective service strategies to attract and retain Generation Z customers. Thus, improving service quality is a key strategy to enhance customer satisfaction in the increasingly competitive coffee shop industry
Navigating Ethical Dilemmas in Supply Chain Management: Insights from Practitioners A Sigit Pramono Hadi; Cahyatih Kumandang; Ruslaini Ruslaini
International Journal of Business Law, Business Ethic, Business Comunication & Green Economics Vol. 1 No. 2 (2024): June : International Journal of Business Law, Business Ethic, Busines Comunicat
Publisher : LPPM STIE Kasih Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70142/ijbge.v1i2.187

Abstract

This qualitative research study delves into the complex landscape of ethical decision-making within supply chain management, drawing insights directly from industry practitioners. With a focus on identifying, analyzing, and navigating ethical dilemmas, the study employs in-depth interviews and thematic analysis to elucidate the multifaceted challenges faced by professionals in this field. Through rich narratives and thematic synthesis, the research explores the nuanced perspectives, strategies, and coping mechanisms employed by practitioners when encountering ethical conflicts. Findings underscore the significance of fostering a culture of transparency, accountability, and ethical awareness within supply chains. Furthermore, the study sheds light on the importance of proactive measures, collaborative approaches, and continuous dialogue in addressing ethical concerns effectively. The insights gleaned offer valuable implications for both theory and practice, contributing ing disto the ongocourse on ethics in supply chain management.
Co-Authors A. Sigit Pramono Hadi Abdillah, Satria Yuda Abdul Rahman Abizar Abizar Abizar AGUS KURNIA Agustinus, Rendy Amalia, Yessica Amir Mukhlis Andrew Subhana Anggoro Sugeng Ardana, Pitharia Ariesta, Tierza Asban, Asban Aslan, La Ode Muhammad Budi, M. Wahid Setio Cahyatih Kumandang Chandra Purnama, Chandra Choirunnisak, Choirunnisak Dadang Irawan Derren Christof Wilson Diajeng Herika Hermanu Dwi Aprilia, Sabrina Eka Wahyu Kasih Eri Kusnanto Ernawati Ernawati F Fatimah, F Fachry Abda El Rahman Fadilla, Fadilla Firnanda, Riska Fitriliana Fitriliana Grace Yulianti Hadana, Erha Saufan Heri Sutopo Iba, Wa Ikhsan Ikhsan Imam Ahmad Indradewa, Rhian Indriana, Nova Irwansyah Iskandarsyah, Egastia Lazuardie Jumianti, Jumianti Kafiden Langsar Waruwu Kasmin, Rosmida La Ode Baytul Abidin Liana Ependi, Zelsy Lukman Hakim Mansari, Mansari Martono Martono Maryamah Megawatie, Megawatie Mohamad Chaidir Mohammad Chaidir Muhamad Ikhsanudin Muhammad Fillah Muhammad Haikal Muhammad Idris Muhammad Isa Muhammad Luthfi Muhammad Rizal Nasutiah Nasutiah Ngadi Permana Nina Ramadhani Wulandari Nofita, Nofita Noor Islahudin, Ahmad Nur ‘Azah Nur, Indriyani nurjannah, via Perwitasari, Malida Praningsih, Tati Pribadi, Bhakty Abda Purba, John Tampil Ramadhani W, Nina Ramadhani, Nina Ramdhani W, Nina Rice, Michael A Rina Amelia Rizkal, Rizkal Rizki Ramdanti, Elma Rohana Rinjani Manurung, Ully Romadan, Gilang Royan Mustofa, Muhammad Rudy Haryanto S Sumarno Sahala Harahap Samsul Bahri Sari, Lidya Sekar Shinta Amelia Siti Masitah Sri Utami Nurhasanah Sulistiani Sulistiani, Sulistiani Syam, Rukman Awan Tanti Sugiharti Ulil Albab Wahyu Wulandari Wulandar Abizari, Nina Ramadhani Yessica Amelia Yessica Amelia Yumerza, Revi Zuhdiyah Zuhdiyah, Zuhdiyah