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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Sinergitas PkM & CSR Jurnal Ilmiah Akuntansi Kesatuan Jurnal EMA (Ekonomi Manajemen Akuntansi) Jurnal Kesehatan Saintika Meditory EKONOMIKA45 Jurnal Multidisiplin Sahombu
Chamariyah, Chamariyah
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Arts Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences

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Analysis the Effect of Interest Rates and Rupiah Exchange Rate on Indonesian Economic Growth and Business Profit of PT. Pegadaian, Surabaya Area 1 Regional Office Galuh Candra Wandika; Mukhammad Mabrur Alifiawan; Fahmi Syarief; Chamariyah, Chamariyah
Jurnal Multidisiplin Sahombu Vol. 5 No. 5 (2025): Jurnal Multidisiplin Sahombu, July - August (2025)
Publisher : Sean Institute

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Abstract

In the world of economics, global conditions have a significant influence with the emergence of inflation or monetary crisis phenomena. This study aims to analyze the effect of interest rates and the rupiah exchange rate on Indonesia's economic growth and operating profit at PT. Pegadaian Regional Office Area Surabaya 1. Using the multiple linear regression method, this study analyzes data on interest rates, the rupiah exchange rate, and Indonesia's economic growth, as well as operating profit data from PT. Pegadaian Regional Office Area Surabaya 1 for the last 5 years, from 2019 to 2023, taken from 12 branch offices. The results of the study indicate that interest rates have a significant negative effect on economic growth, while the rupiah exchange rate has a significant positive effect on economic growth. Meanwhile, in the results of scheme 2, namely the effect of interest rates on operating profit, no significant effect was found, as was the effect of the rupiah exchange rate on operating profit. In addition, this study also provides practical implications for companies to be able to adjust their business strategies in dealing with fluctuations in interest rates and exchange rates in order to maximize operating profits.
Analysis of the Influence of Digital Marketing on Consumer Loyalty in the Industry 4.0 Era Musthofa Kamal; Tiyus Martha Kurniadi; Lintang Sandy Tria Sakti; Chamariyah, Chamariyah
Jurnal Multidisiplin Sahombu Vol. 5 No. 5 (2025): Jurnal Multidisiplin Sahombu, July - August (2025)
Publisher : Sean Institute

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This study aims to analyze the influence of digital marketing on consumer loyalty in the Industry 4.0 era. In this context, digital marketing is defined as the use of digital technologies, such as social media, email marketing, and other online platforms, to promote products and interact with consumers. Consumer loyalty is a crucial factor for a company's long-term survival and success. The method used in this study is a literature review by collecting various relevant sources from previous research related to digital marketing and consumer loyalty. The results show that digital marketing has a positive influence on consumer loyalty, both through increasing customer satisfaction, building trust, and increasing consumer interaction and engagement. In addition, factors such as product quality, innovation, and satisfying consumer experiences also play a role in strengthening loyalty. This study contributes to companies' understanding of the importance of digital marketing in maintaining consumer loyalty in this increasingly developing era. It is hoped that companies can optimize the use of digital marketing to build better relationships and increase customer loyalty levels.
IMPLEMENTATION OF CHANGE MANAGEMENT POLICY TO DEVELOP VILLAGE-OWNED BUSINESS ENTITIES Dwiningwarni, Sayekti Suindyah; Andari, Syamsiyah Yuli Dwi; Sujani, Sujani; Shodiq, Ja'far; Chamariyah, Chamariyah; Dwi P, Juniyanti
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 11, No 1 (2022): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (524.922 KB) | DOI: 10.26418/jebik.v11i1.52836

Abstract

This research aims to identify internal and external factors in implementing BUMDes change management policies; to identify the changes that have occurred in BUMDes by using the theory of Lewin's Three-Step Model and Kotter's 8 Step Change Model; formulate a policy strategy for the development of BUMDes. The research method used is mixed. The data used are qualitative data from in-depth interviews and secondary data in one district in East Java province. Data analysis used sequential exploratory. The results of the study explain that the management changes that occur in the developing phase to the managing are first, for all BUMDes to immediately reorganize BUMDes managers by Regional Regulation Number 6 of 2021; second, the management changes that occur from the managing phase to the transformation are the need for a BUMDes consultant or assistant as a change agent to help develop BUMDes from different sides; third, the results of the SWOT analysis show that there are three main strategies needed to establish BUMDes, namely the business unit development strategy, facilities strategy and service strategy. This research concludes that implementing change management policies is essential to developing BUMDes.JEL: M210, H100, L100.
Co-Authors Ach. Ali Yafie Andari, Syamsiyah Yuli Dwi Atrhana, Nana Chandra Kartika, Chandra Dwi Andari, Syamsiyah Yuli Dwi P, Juniyanti Endah M, Yurila Ernawati, Novita Esty, Aulia Widya Fahmi Syarief Galuh Candra Wandika Hadi Prayitno, Hadi Lintang Sandy Tria Sakti Mahendra, Guntur Mukhammad Mabrur Alifiawan Musi, Musi Musthofa Kamal Ningsih, Sumita Widiyah Nur Fauziyah, Ananda Istiqomah Puspita, Nimas Arum Roihana, Hanifa Rusdiyanto Rusdiyanto, Rusdiyanto Saiful Saiful Sarie, Rena Febrita Sayekti Suindyah D Shodiq, Ja'far Sujani, Sujani Sukamto, Dessy Arif Sulistyowati, Eni Syaiful Rachman, Syaiful Rachman Tiyus Martha Kurniadi Wafa, Mohammad Ali Wildanika, Arifian Zubaidah, Miftakhul