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The Influence of Service Quality and System Quality on Branchless Banking Agent Loyalty Mediated by Satisfaction at PT Bank Negara Indonesia (Persero), Tbk in the Work Area of Regional Office 12 Juni, Ardi Ikhsan; Kunawangsih P., Tri; Hariyanti, Dini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5170

Abstract

This research was conducted to analyze and study the influence of the Brancless Banking business on PT Bank Negara Indonesia (Persero), Tbk. In the Regional Office 12 Work Area which consists of service quality and system quality on satisfaction and its impact on agent loyalty. The research method used is quantitative research with data analysis techniques using SEM PLS. The research results show that partially or directly (direct effect) everything has a positive and significant influence, namely service quality has an influence on loyalty, system quality has an influence on loyalty, satisfaction has an influence on loyalty, service quality has an influence on satisfaction, and system quality has an influence on satisfaction. Indirectly, satisfaction can mediate significantly positively between service quality and loyalty and satisfaction can mediate significantly positively between system quality and loyalty.
Analisis Perbedaan Pengadaan Langsung pada UKPBJ Kementerian Keuangan dengan Satker Masing-Masing Ditinjau dari Aspek Efisiensi dan Efektivitas Purwanto, Edi; Hariyanti, Dini
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 3 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i3.10548

Abstract

Penelitian ini bertujuan untuk menganalisis kebijakan pengadaan langsung terpusat yang dilaksanakan oleh Kementerian Keuangan. Desain penelitian dilakukan dengan membandingkan hasil pelaksanaan pengadaan langsung yang dilakukan secara terpusat melalui Unit Kerja Pengadaan Barang/Jasa dan pengadaan langsung yang dilaksanakan oleh satuan kerja masing-masing. Fokus evaluasi diarahkan pada dua aspek utama, yaitu efisiensi anggaran dan efektivitas durasi pengadaan yang meliputi durasi persiapan pengadaan dan durasi pelaksanaan pengadaan. Pendekatan yang digunakan adalah dengan menggunakan metode kuantitatif melalui uji non-parametrik multivariat Mann Whitney U, Kruskal Wallis dan uji lanjutan test dunn dengan koreksi Bonferroni yang diolah menggunakan aplikasi SPSS dengan memanfaatkan data sekunder yang diperoleh dari hasil pengadaan langsung di Kementerian Keuangan selama periode tahun 2021 hingga 2024. Sebagai penguat temuan perhitungan, dilakukan indepth interview guna menggali informasi yang tidak dapat diungkap melalui data numerik. Kerangka analisis disusun berdasarkan teori kebijakan publik, teori ekonomi serta peraturan tentang pengadaan pemerintah guna menganalisis efisiensi dan efektivitas pelaksanaan kebijakan tersebut. Hasil penelitian menunjukkan bahwa pelaksanaan pengadaan langsung terpusat berpengaruh terhadap efisiensi anggaran dan efektivitas durasi pengadaan.
Mengintegrasikan Strategi Sumber Daya Manusia dan Sociopreneur untuk Mewujudkan Bank Sampah Berdaya di Bekasi Tiarapuspa Tiarapuspa; Dini Hariyanti; Rakendro Wijayanto; RA Hera Purnami K; Ida Sri Wulandari; Dewa Lima Vadillah; Arlina Intan Regita; Dewi Anggraeni
Jurnal PKM Manajemen Bisnis Vol. 6 No. 2 (2026): Jurnal PKM Manajemen Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/pkmb.v6i2.1623

Abstract

The Community Service Program (PKM) was conducted to empower waste bank managers in Mangunjaya Village, Bekasi, through the integration of human resource (HR) strategies and the concept of sociopreneurship. The activity took place on January 16, 2025, organized by five PKM teams from Trisakti University, and was attended by 30 waste bank managers. The program was designed using a participatory approach that included team management training, basic financial literacy, branding and digital marketing strategies, and mentoring in the development of recycled products. The implementation methods consisted of lectures, group discussions, hands-on waste sorting practices, and evaluation through a post-test assessment. The results indicated a 35% increase in participants’ understanding, improvement in the quality of recycled products, and expanded marketing reach through online platforms. The implementation of this program provided tangible benefits, including enhanced managerial capacity of waste bank managers, the development of a social entrepreneurship mindset, and the creation of new environmentally based economic opportunities. Furthermore, the program contributed to the development of empowered waste banks with the potential to become drivers of the circular economy in their region.
Determination of Financial Distress In Food and Beverage Subsector Companies Stevany; Dini Hariyanti; Jakaria
International Journal of Economics Accounting and Management Vol. 2 No. 2 (2025): IJEAM - July 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v2i2.1278

Abstract

This study aims to determine the influence of profitability, leverage, good corporate governance, gender diversity, political connections, and consumer protection policies on financial difficulties in food and beverage companies listed on the Indonesia Stock Exchange. The sample was collected using purposive sampling, with a total of 27 companies meeting the criteria during the research period. The analysis method used was panel data regression processed using EViews software. The results of this study indicate that profitability has a positive effect on financial distress, meaning that companies with high profits may face certain financial pressures that may be caused by large investments or aggressive expansion. Meanwhile, leverage, good corporate governance, and gender diversity were found to have a negative impact on financial distress, indicating that cautious financing structures, sound managerial practices, and diversity in leadership can reduce the likelihood of a company experiencing financial distress. On the other hand, political connections and consumer protection policies did not show a significant impact on companies' financial difficulties, suggesting that these external factors may not be the primary determinants of the financial condition of food and beverage companies. These findings are expected to contribute to academic literature and serve as considerations for management and stakeholders in making strategic decisions to avoid potential bankruptcy risks in the future.
Ultra-Micro Financing Literacy for KSBI MSME Entrepreneurs Dini Hariyanti; Osni Erza; Khairunnisa
Mattawang: Jurnal Pengabdian Masyarakat Vol. 6 No. 4 (2025)
Publisher : Yayasan Ahmar Cendekia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.mattawang4369

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting Indonesia’s national economy. However, one of the major challenges for MSMEs—especially ultra-micro businesses—is their low level of financial literacy, which limits access to formal financing. This community service program aims to increase ultra-micro financing literacy among members of Komunitas Sukses Berjamaah Indonesia (KSBI). The program applied a community-based empowerment approach using Participatory Action Research (PAR) and involved 20 ultra-micro entrepreneurs in South Jakarta. Activities included initial observation, Focus Group Discussions, financial literacy training, financing application simulations, technical mentoring, and evaluation through pre-test and post-test. The results showed an increase in participants’ understanding from an average of 41.4% to 60.2%, reflecting a 45% improvement. Beyond knowledge gains, the program also facilitated the formation of a community financial literacy team and the emergence of local leaders who play a key role in ensuring program sustainability. These findings demonstrate that community-based financial literacy education can effectively expand access to formal financing for ultra-micro enterprises. Replicating similar programs in other communities has strong potential to strengthen economic independence and promote financial inclusion.
Pengembangan Strategi Pemasaran Berkelanjutan Produk Lokal Koperasi Merah Putih Ciambar Berbasis Prinsip Sustainable Development. Nico Lukito; Dini Hariyanti; Gatri Lunarindiah; Reniati Karnasi; Muhammad Latief Sai Gani
JURPIKAT Vol 7 No 3 (2026)
Publisher : Politeknik Piksi Ganesha Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37339/jurpikat.v7i3.3331

Abstract

Pengabdian kepada Masyarakat (PkM) dilaksanakan di Koperasi Desa/Kelurahan Merah Putih Ciambar, Kabupaten Sukabumi. Kegiatan ini bertujuan meningkatkan kapasitas pelaku UMKM melalui penguatan branding produk berkelanjutan, literasi digital, penerapan strategi STP (segmentation, targeting, positioning), serta sistem pencatatan sederhana untuk mendukung aspek keberlanjutan. Peserta berjumlah 15 orang dengan metode penyuluhan, pelatihan interaktif, diskusi, simulasi bisnis, dan pendampingan. Hasil kegiatan menunjukkan peningkatan pemahaman peserta mengenai branding ramah lingkungan, pemasaran digital, pengembangan jaringan distribusi, dan penerapan prinsip sustainable development dalam pemasaran produk koperasi. Antusiasme peserta selama pelatihan menunjukkan efektivitas program. Kegiatan ini diharapkan menjadi model pengembangan UMKM yang tangguh, inovatif, dan berdaya saing dalam mendukung pertumbuhan ekonomi lokal yang berkelanjutan.