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All Journal Optimum : Jurnal Ekonomi dan Pembangunan Jurnal Analisis Bisnis Ekonomi SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan EQIEN - JURNAL EKONOMI DAN BISNIS ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi YUME : Journal of Management GEMA EKONOMI Jurnal Ilmiah Ekonomi Global Masa Kini JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) MANAJEMEN DEWANTARA BALANCE: Economic, Business, Management and Accounting Journal Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Jurnal Fokus Manajemen Bisnis INDRA: Jurnal Pengabdian kepada Masyarakat Economic Reviews Journal Journal of Social And Economics Research Journal of Artificial Intelligence and Digital Business Indonesian Journal of Multidisciplinary on Social and Technology Journal of Management and Business Insight Jurnal Pengabdian Sosial IECON: International Economics and Business Conference Jurnal Analisis Bisnis Ekonomi
Fitroh Adhilla
Universitas Ahmad Dahlan
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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UPAYA PEMBERANTASAN RENTENIR MELALUI PEMBEKALAN AKSES PEMBIAYAAN KUR (KREDIT USAHA RAKYAT) PADA UMKM DI SRIHARJO, IMOGIRI, BANTUL Mardiana Susanti; Prima Sanjaya; Fitroh Adhilla
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 7, No 2 (2023): June
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v7i2.15231

Abstract

ABSTRAKkajian ini bertujuan untuk memberikan pengetahuan serta pemahaman terhadap pelaku umkm khususnya di Desa Sriharjo yang akan mencari tambahan modal usaha dengan pengembalian yang ringan melalui program dana KUR (Kredit Usaha Rakyat). Metode yang digunakan adalah metode kaji tindak (Action Research) melalui pendekatan program tindak partisipatif (Partisipatory Action Program), dan studi pustaka (library research). Sasaran pada kegiatan ini adalah pelaku UMKM yang ada di Desa Sriharjo. Wawancara dan observasi langsung dilakukan ke Desa Sriharjo, Imogiri, Bantul. Tahapan pelaksanaan dilakukan dengan metode ceramah yakni penyampaian materi penyuluhan berupa sosialisasi, pendampingan dan bimbingan. Tahapan FGD dilaksanakan dengan cara penyampaian materi secara langsung pada pelaku UMKM oleh narasumber yang kompeten, cara ini disesuaikan dengan kondisi lingkungan dengan tanya jawab interaktif. Kegiatan ini diharapkan untuk menjembatani kebutuhan pembiayaan atau permodalan bagi UMKM di Sriharjo, Imogiri, Bantul. Berdasarkan hasil observasi dan survei yang dilakukan, mayoritas masyarakat masih bergantung terhadap peminjaman kepada rentenir. Untuk menanggulangi hal tersebut perlu di adakan penyuluhan khusus terkait dampak peminjaman modal usaha kepada rentenir, dengan demikian masyarakat akan sadar bahwa peminjaman melalui rentenir sangat tidak manusiawi. Sebagai gantinya, masyarakat dapat mengajukan pinjaman KUR melalui bank pelaksana yang telah di tunjuk oleh pemerintah. Kata kunci: rentenir; pelaku UMKM; pembiayaan KUR (Kredit Usaha Rakyat). ABSTRACTThis study aims to provide knowledge and understanding to MSME actors, especially in Sriharjo Village, who will seek additional business capital with a light return through the KUR (Kredit Usaha Rakyat) fund program. The method used is the action research method through a participatory action program approach, and library research. The targets of this activity are MSME actors in Sriharjo Village. Interviews and direct observations were conducted in Sriharjo Village, Imogiri, Bantul. The implementation stage was carried out using the lecture method, namely the delivery of extension material in the form of socialization, assistance and guidance. The FGD stage is carried out by delivering material directly to MSME actors by competent resource persons, this method is adjusted to environmental conditions with interactive questions and answers. This activity is expected to bridge the financing or capital needs of MSMEs in Sriharjo, Imogiri, Bantul. Based on the results of observations and surveys conducted, the majority of people still depend on loans to loan sharks. To overcome this, it is necessary to hold special counseling related to the impact of borrowing business capital from loan sharks, so that people will realize that lending through loan sharks is very inhumane. Instead, the community can apply for KUR loans through implementing banks that have been appointed by the government. Keywords: loan sharks; MSME actors; KUR (Kredit Usaha Rakyat) financing.
Memahami Etika Bisnis Islam dalam Manajemen Keuangan Serta Konsep Konsep Manajemen Keuangan dalam Islam Labaika, Sindi; Adhilla, Fitroh; Riduwan, Riduwan
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 5 No 2 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i2.3840

Abstract

Ethics is the science that discusses the good and bad actions of human beings as far as the human mind can understand. Ethics in finance talks about financial behavior or activities that are ethically right or wrong. Islamic financial mechanisms run by financial institutions cannot be separated from sharia concepts that regulate product mechanisms and operations. The purpose of this study is to provide an explanation of what are the concepts of finance in Islam. In this research, the type of research we use is qualitative research with a descriptive approach through library research, which is a way of systematically analyzing existing literature such as articles, books, journals and documents related to the research theme and the author uses primary data sources in the form of al-Qur'an and hadith. Islamic financial management in this case the author concludes that in the Islamic treasures, the Qur'an and hadith should be used as the main source in all life activities. Likewise in financial management which is a very sensitive matter in an organization. Similarly, financial management is a very sensitive matter in an organization, especially in educational institutions. Thus, financial management must be organized as much as possible. Maximum financial management does not only depend on how to manage the finances.
PENGARUH EKUITAS MEREK , KUALITAS PRODUK, DAN WORD OF MOUTH TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN PADA PRODUK SMARTPHONE SAMSUNG Abdul Lathief Giffari; Fitroh Adhilla
Journal of Social and Economics Research Vol 5 No 2 (2023): JSER, December 2023
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v5i2.121

Abstract

Penelitian ini bertujuan untuk mengetahui apakah Ekuitas Merek, kualitas produk, dan Word Of Mouth berpengaruh secara signifikan terhadap keputusan pembelian konsumen pada pengguna smartphone SAMSUNG di Yogyakarta. Penelitian ini menggunakan pendekatan kuantitatif melalui penyebaran kuesioner dengan google form dan populasi didalam penelitian ini menggunakan teknik penentuan sampel dengan Accidental Sampling dan analisis dalam penelitian ini menggunakan analisis regresi berganda dengan alat analisis SPSS versi 20. Hasil penelitian ini menunjukan bahwa Ekuitas Merek berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen dengan nilai sig. 0,044 < 0,05, kualitas produk berpengaruh positif dan signifikan terhadap keputusan pembelian konsumen dengan nilai sig. 0,002 < 0,05 dan Word Of Mouth berpengaruh positif dan signifikan terhadap kepuasan konsumen dengan nilai sig 0,000 < 0,05. Nilai R square sebesar 0,760 menunjukkan bahwa kemampuan variabel independen dalam menjelaskan variasi variabel dependen sebesar 76% dan sisanya 24% dijelaskan oleh variabel dari luar penelitian ini. Populasi dari penelitian ini adalah seluruh pengguna smartphone Samsung yang berada di Yogyakarta sedangkan Sampelnya adalah sebagian dari pengguna smartphone Samsung yang ada di Yogyakarta.
Peran Serta Masyarakat dalam Pengembangan Destinasi Wisata Kebugaran di Desa Canden : Sebuah Model Wardiyanta, Wardiyanta; Rahmayanti, Ifada; Pangastuti, Palupi Melati; Hidayat, Muhammad Syamsu; Adhilla, Fitroh
Jurnal Pengabdian Sosial Vol. 1 No. 9 (2024): Juli
Publisher : PT. Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/xf4ckm76

Abstract

Peran serta masyarakat dalam pengembangan desa wisata kebugaran sangat dibutuhkan pada saat ini. Penguatan komunitas untuk pengembangan berdasar tourism dipilih untuk model peran serta masyarakat ini. Kontribusi komunitas pelaku usaha (UMKM) dan pengguna desa wisata merupakan bagian dari metode untuk membantu masyarakat desa wisata tersebut dalam pendampingan, fasilitator agar masyarakat punya peran serta aktif. Yang diharapkan adalah pengetahuan tentang kemampuan dan karakter masyarakat tersebut dapat menjadi dasar dalam penentuan sifat dan tingkat pemberdayaan dan memastikan bagaimana model tersebut diterapkan sehingga masyarakat siap menerima dan melaksanakan pengembangan wisata tersebut sebagai bagian dari perbaikan ekonomi pelaku usaha dan masyarakat desa Canden. Sehingga metode menyesuaikan model yang digunakan. Metode yang digunakan adalah melakukan pemetaan potensi , diseminasi dan motivasi , pelatihan ketrampilan dan manajemen, pendampingan. Dengan menerapkan metode dan model yang tepat untuk peran serta masyarakat dalam pengembangan desa wisata kebugaran di Canden maka dihasilkan suatu penataan wilayah yang tidak merusak lingkungan. Dan desa tersebut makin menjadi primadona masa depan karena peningkatan kualitas produk dan branding. Dari semua itu kemampuan manajerial, pemasaran produk / jasa secara digital dan terutama motivasi makin dirasakan meningkat dan ini bisa menjadi momentum dalam peran serta masyarakat desa Canden.
Strategi Pemasaran untuk Meningkatkan Penjualan Produk Mewah: Pembuktikan dari PT. Superhelindo Jaya, Yogyakarta Hartono, Rudi; Adhilla, Fitroh; Purwoko, Purwoko
ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Vol 8, No 2 (2024): Oktober
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/iso.v8i2.2928

Abstract

Penelitian ini dilatarbelakangi oleh pentingnya strategi pemasaran pada barang mewah. Tujuan dari penelitian ini adalah untuk mengetahui strategi pemasaran yang dilakukan oleh PT Superhelindo Jaya Yogyakarta dalam meningkatkan penjualan produk lift. Penelitian ini menggunakan metode kualitatif deskriptif. Data penelitian dikumpulkan melalui wawancara. Wawancara dilakukan dengan 11 informan, yang terdiri dari Branch Manager, Product Development Manager, Marketing Manager, Finance Manager, Staff Marketing, HRD, tiga orang pelanggan, satu orang konsultan, dan satu orang kontraktor. Data penelitian kemudian dianalisis dengan menggunakan model interaktif. Hasil penelitian menunjukkan bahwa PT. Superhelindo Jaya telah secara efektif menerapkan berbagai strategi pemasaran untuk memenuhi kebutuhan pasar dan meningkatkan kepuasan pelanggan. Dari segi produk, perusahaan menawarkan elevator dan eskalator dengan teknologi terbaru dan desain yang inovatif. Strategi penetapan harga yang dinamis memungkinkan perusahaan untuk menyesuaikan harga sesuai dengan elastisitas permintaan pasar lokal. Jaringan distribusi yang luas memperkuat kehadiran merek di pasar melalui saluran distribusi yang efektif. Selain itu, promosi melalui seminar dan lokakarya meningkatkan pengetahuan pelanggan dan memperkuat citra merek produk PT Superhelindo Jaya.
Price, product quality, and brand image as antecedents of customer satisfaction Aulia, Rina; Adhilla, Fitroh; Yusoff, Rushami Zien
Journal of Management and Business Insight Vol. 2 No. 1 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jombi.v2i1.931

Abstract

Purpose- Technology is one of the most essential things in human life. The advancement and development of technology, especially communication technology, cause every telecommunications company to continue improving its products' excellence to keep up with technological developments. This study aims to determine the effect of price, product quality, and brand image on consumer satisfaction of iPhone Smartphone users in Yogyakarta, Indonesia. Design/Methodology/Approach- The study subjects were people in Yogyakarta, Indonesia, with a sample size of 100 people selected using a purposive sampling technique. This research uses a quantitative approach and data collection techniques, such as distributing questionnaires. Instrument tests were carried out with measurement models, validity tests, reliability tests, and structural model testing through bootstrapping. The analytical tool used in this research was Smart PLS 3.0. Findings- The study's findings show that consumer satisfaction is positively impacted by price, product quality, and brand image. Customers are satisfied when the price is determined according to the demands or advantages they want. Customer satisfaction will be determined by the product's quality. Furthermore, the brand image will give an impression of a product. When using or buying a product, consumers will choose products with a familiar brand image because it will give the assumption that a positive brand image will provide consumers with a feeling of satisfaction. Research limitations/implications- The limitation of this research is the process of collecting data from respondents, which takes quite a long time. The distribution of online questionnaires was only addressed to respondents who used iPhone Smartphones in Yogyakarta, so the respondents' answers could not represent all Smartphone users of various brands in Yogyakarta, Indonesia. Originality/value- There is still little research on the antecedents that cause consumers to use iPhone smartphones, especially in Yogyakarta. Similar studies only discuss Smartphone users in general in Yogyakarta or iPhone Smartphone users in several regions in Indonesia.
Saving Decisions as a Consequence of Product and Service Quality Excellence in Savings and Loans Cooperatives and Sharia Financing (Study on Customers of Bmt Bina Ihsanul Fikri, Bugisan Yogyakarta Branch) Nelly Amalia Mahmudah; Salamatun Asakdiyah; Fitroh Adhilla
IECON: International Economics and Business Conference Vol. 2 No. 1 (2024): International Conference on Economics and Business (IECON-2)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/aw500p52

Abstract

This research aims to determine the influence of Product Excellence and Service Quality on Customer Saving Decisions at the BMT Bina Ihsanul Fikri Office, Bugisan Branch, Yogyakarta. The population in this study was 120 customers, with a sampling technique using purposive sampling. The sample used was all 120 BMT Bina Ihsanul Fikri customers, Bugisan Branch, Yogyakarta. The data used in this research is primary data obtained through filling out questionnaires. To analyze the data, multiple linear regression analysis tools were used. The research results show that Product Excellence and Service Quality have a significant influence on customers' Saving Decisions at BMT Bina Ihsanul Fikri, Bugisan Branch, Yogyakarta. Product Excellence has a regression coefficient (B) of 0.179 with a significance level of 0.000, while Service Quality has a regression coefficient (B) of 0.576 with a significance level of 0.000. This shows that these two variables make a positive and significant contribution to customers' savings decisions. This research provides empirical evidence that increasing product excellence and service quality can encourage customers' decisions to save, so BMT is expected to continue improving these aspects to increase customer satisfaction and loyalty.
PENGARUH EMPLOYEE TRAINING, COUNSELING SKILLS DAN CAREER DEVELOPMENT TERHADAP EMPLOYEE WORK EFFICIENCY KSPPS BMT BINA IHSANUL FIKRI KOTA YOGYAKARTA Romli, Ahmat Nazom; Gumelar, Bagus; Adhilla, Fitroh; Hidayat, Abdul Cholid
GEMA EKONOMI Vol 11 No 2 (2022): GEMA EKONOMI
Publisher : Fakultas Ekonomi Universitas Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55129/https://doi.org/10.55129/.v12i4.2927

Abstract

Penelitian ini bertujuan untuk mengetahui Pengaruh Employee Training, Counseling Skills,dan Career Development Terhadap Employee Work Efficiency KSPPS BMT Bina Ihsanul Fikri Yogyakarta. Populasi dalam penelitian ini adalah karyawan BMT BIF Bina Ihsanul Fikri Yogyakarta yang berjumlah 90 karyawan dan sampel yang digunakan berjumlah 90 karyawan dengan a=5% dan menggunakan metode sampel jenih. Data yang digunakan kuesioner. Alat analisis data yang digunakan adalah regresi linear berganda. Hasil penelitian ini menunjukkan bahwa Employee Training, Counseling Skills dan Career Development berpengaruh signifikan Terhadap Emplyee Work Efficiency KSPPS BMT Bina Ihsanul Fikri Yogakarta. Dengan nilai B (bernilai positif) sebesar 3,160 dan signifikan sebesar 0,046. Employee Training memiliki nilai B (bernilai positif) sebesar 0,115 dan nilai signifikan sebesar 0,035. Counseling Skills memiliki nilai B ( bernilai positif) sebesar 0,180 dan nilai signifikan sebesar 0,011. Career Development memiliki nilai B (bernilai positif) sebesar 0,204 dan nilai signifikan sebesar 0,000.
Servicescape Sebagai Anteseden Pada Kepuasan Konsumen (Studi Kasus di Gerai Yogyatourium PT. Aseli Dagadu Djokdja Tahun 2019) Azam, Muhammad; Adhilla, Fitroh
GEMA EKONOMI Vol 12 No 5 (2023): GEMA EKONOMI
Publisher : Fakultas Ekonomi Universitas Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55129/https://doi.org/10.55129/.v12i4.2927

Abstract

Every consumer who comes to a store or service place will want to get the best service as expected and the service environment is the first aspect that consumers will feel. PT. Aseli Dagadu Djokdja has the largest outlet named Yogyatourium (Yogya Tourism Laboratourium), in this case Dagadu must be able to present a service environment that can make consumers feel satisfied considering that Dagadu is a creative industry company that has been established for quite a long time and has achieved many achievements. The purpose of this study is to determine whether there is a positive influence of the service environment dimension (servicescape) on customer satisfaction at Yogyatourium outlets. The method used in this study is nonparametric statistical analysis to test hypotheses. The sample data of this study was taken by non-probability sampling techniques using incidental and purposive sampling techniques. This means that anyone who visits the Yogyatourium outlet and coincidentally meets the researcher and is considered to fit the predetermined criteria can become a research respondent. The population in this study is all consumers of PT. Aseli Dagadu Djogdja who visited Dagadu Yogyatourium outlet, while the target sample determined was 60 samples. This study uses CFA as a validity test with alpha 0.5 and is declared valid if it has a loading factor value of > 0.5 and the indicator forms one component. Research reliability tests use Cronbach's alpha formula and are declared reliable if they have a reliability coefficient of ≥ 0.6. The results of the analysis in this study state that all variables in the service environment dimension (servicescape) have a positive and significant influence on customer satisfaction. This means that if the better the quality of the servicescape dimension formed, the higher the level of customer satisfaction at Yogyatourium outlets. This research is expected to be useful for readers and for companies to always improve the quality of their service environment.
Pengaruh Iklan Media Sosial, Electronic Word of Mouth dan Citra Merek Terhadap Keputusan Pembelian Smartphone Oppo: Studi Kasus pada Pengguna Smartphone OPPO di Yogyakarta Atikah; Fitroh Adhilla; Zunan Setiawan
Economic Reviews Journal Vol. 4 No. 2 (2025): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v4i2.698

Abstract

 The increasing functionality of smartphones during the Covid-19 pandemic has driven higher production to meet the growing demand for online activities. This study examines the influence of social media advertising, electronic word of mouth (eWOM), and brand image on purchasing decisions for OPPO smartphones in Yogyakarta. Using a quantitative approach, the study involved 150 respondents, with validity and reliability tests conducted using r-table and Cronbach’s Alpha (α > 0.60). Hypothesis testing was performed using multiple linear regression analysis, including the F-test for simultaneous influence, the t-test for partial influence, and the coefficient of determination (R²) to assess the variation in the dependent variable. The results show that social media advertising, eWOM, and brand image significantly influence purchasing decisions. Social media advertising (X1) has a positive effect with a regression coefficient of 0.509, eWOM (X2) has the strongest influence with 0.578, and brand image (X3) has a positive impact with 0.430. The F-test results indicate a significant simultaneous influence, with an R² value of 0.523, meaning that 52.3% of purchasing decisions are explained by these three variables, while the remaining 47.7% is influenced by other factors not examined in this study.
Co-Authors Abd. Rasyid Syamsuri Abdillah, Ihsany Abdul Cholid Hidayat Abdul Lathief Giffari Ade Ryan Shaputra Aftoni Sutanto Agus Siswanto Agus Siswanto Ahmat Nazom Romli Alfina Zsazsa Naqiya Amadea Deviona Anggraini, Nandia Apriadi, Mukhlis Arfiyandi, Aunul Khaq Syaifti Arif Kuncoro Dwi Putranto Aristinawati, Indah Atikah Aunul Khaq Syaifti Arfiyandi Daris Yulianto Deny Sekti Gumelar A. Deviona, Amadea Devita Sari Dyah Fitriani Elly Kusumawati Faisal Sa'ban Gumelar A., Deny Sekti Gumelar, Bagus Hartono, Rudi Helfi Agustin Hendro Setyono Herawati , Anisa Nur Heri Siswanto Hidayat, Abdul Cholid Hidayat, Muhammad Syamsu Ifada Rahmayanti Ihsany Abdillah Intan Hidayah Irawati Irawati Irfan Anjas Purwo Jimmy Ary Pratama Khalifah Nurjannah Kurnia, Siti Aisah Kurniawan, Norman Miradi Indra Kusumawati, Elly Labaika, Sindi Mardiana Susanti Mohammad Kus Yunanto Muhammad Azam Mukhlis Apriadi Nabila Fadhila Rahma Nandia Anggraini Nelly Amalia Mahmudah Norman Miradi Indra Kurniawan Nur Khusnul Hamidah Nur Rokhim Nur Rokhim, Nur Nurjannah, Khalifah Nurmaya, Ema Nuswantarina Patriani Ondi Prawiradinata Pangastuti, Palupi Melati Pratama, Jimmy Ary Prima Sanjaya Purwo, Irfan Anjas Purwoko Purwoko Purwoko Purwoko Purwoko Purwoko Purwoko, Purwoko Rahmat, Ega Septia Riduwan Riduwan, Riduwan Rina Aulia, Rina Romli, Ahmat Nazom Rushami Zien Yusoff Salamatun Asakdiyah Setiawan, Zunan Setyawan, Rai Rake Shaputra, Ade Ryan Sutanto, Aftoni Wardiyanta Wardiyanta Wardiyanta, Wardiyanta Widyasworo Pamungkas Buwono Zunan Setiawan Zunan Setiawan