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Model Kolaborasi Lembaga Keuangan dan Universitas Dalam Memperkuat Akses Layanan Keuangan Mikro dan Kinerja Usaha Mikro dan Kecil di Indonesia: A Model of Collaboration of Financial Institutions and Universities in Strengthening Access To Microfinance Services And The Performance of Micro and Small Enterprises in Indonesia Suhendi; Achsani, Noer Azam; Najib, Mukhamad; Novianti, Tanti
Jurnal Aplikasi Bisnis dan Manajemen Vol. 9 No. 3 (2023): JABM Vol. 9 No. 3, September 2023
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.9.3.976

Abstract

Micro and Small Enterprises (MSEs) have an important and strategic role in national economic development. This study aims to identify and analyze problems in the implementation of microfinance services for MSEs in Indonesia and develop a collaborative model involving relevant stakeholders, especially financial institutions and universities, to support microfinance and improve the performance of MSEs in Indonesia. The research method used in this research is Soft Systems Methodology (SSM), utilizing data from FGDs, in-depth interviews, and observations. The results of the study show that financing constraints for MSEs can be seen from two perspectives, namely the MSEs themselves (demand side) and financial institutions (supply side). Collaborative models between various stakeholders, especially between financial institutions and universities, can be an alternative solution to strengthen access to microfinance services and improve the performance of micro and small businesses in Indonesia. In terms of transaction cost theory, universities can reduce the transaction costs of financial institutions through research, education, innovation, and partnerships with financial institutions. Therefore it can be concluded that collaboration between universities and financial institutions can make a valuable contribution to developing more efficient and cost-effective solutions in the financial industry, especially in increasing access to microfinance services and the performance of MSEs in Indonesia. Keywords: catwoe, collaborative intervention, financial system, rich picture, soft system methodology
PENGARUH PERSEPSI RISIKO, PRICE CONSCIOUSNESS, FAMILIARITY, PERSEPSI KUALITAS, DAN CITRA TOKO PADA MINAT BELI KONSUMEN Santoso, Dharmawan; Najib, Mukhamad; Munandar, Jono Mintarto
Jurnal Ilmu Keluarga dan Konsumen Vol. 9 No. 3 (2016): Jurnal Ilmu Keluarga dan Konsumen
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (500.022 KB) | DOI: 10.24156/jikk.2016.9.3.218

Abstract

This research aims to identify the difference of the latent variables (shelf space, familiarity, perceived risk, price consciousness, citra private label, kualitas servis, and perceived quality) among ritel industries; to analyze the influence among latent variables; and to analyze the effect of perceived risk, price cosnciousness, familiarity, perceived quality, and store image on consumer purchase intention on food private label. This research involved 274 respondent consist of hypermarket, supermarket and minimarket consumer in Bogor city that were chosen by quota sampling method. Mann Whitney test and CB-SEM were used in data analysis, with confidence level is 95,0 percent. The results showed that store image, perceived risk, kualitas servis, familiarity, perceived quality and puchase intention have differentiation among hypermarket, supermarket and minimarket consumer. Moreover, the result also found that shelf space influenced familiarity and perceived quality; kualitas servis influenced citra private label, and citra private label and familiarity influenced perceived risk. The result also revealed a significant influence of store image on purchase intention.
Pengembangan Syariah Compliant Hotel: Hambatan & Inovasi Siti Nurfajar Octaviani; Mukhamad Najib; Farit Mochamad Afendi
Journal of Enterprise and Development (JED) Vol. 2 No. 2 (2020): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v2i2.2180

Abstract

Hotel Syariah memiliki peranan penting dalam pengembangan pariwisata syariah di Indonesia. Akan tetapi pelaku bisnis di bidang Hotel Syariah mendapatkan beberapa tantangan yang membuatnya sulit berkembang karena meniadakan unsur – unsur nonsyar’i, persepsi masyarakat yang menyamakan dengan hotel konvensional, dan fasilitas yang kurang menarik. Penelitian ini mencoba untuk mengurai tiga aspek (produk, pelayanan, dan pengelolaan) pengembangan Hotel Syariah guna menghadapi tantangan tesebut dengan metode ANP. Dapat dilihat pada aspek produk ruang ibadah menjadi prioritas utama yang harus diperhatikan, pada aspek pelayanan pemisahan layanan untuk tamu laki – laki dan tamu perempuan menjadi prioritas utama yang harus diperhatikan, dan pada aspek pengelolaan manajemen Sumber Daya Manusia menjadi prioritas utama yang harus diperhatikan. sedangkan aspek inovasi yang dianggap dapat menjadi solusi dari tantangan yang ada ialah adanya fasilitas hiburan, Herbal Bar, pusat belanja halal, dan interior yang bernuansa Islami.
Strategi Pengembangan Pasar Pangan Organik Berbasis Perilaku Konsumen dan Kepuasan Pelanggan Dalam Mendukung Ketahanan dan Keamanan Pangan Ujang Sumarwan; Stevia Septiani; Mukhamad Najib
Policy Brief Pertanian, Kelautan, dan Biosains Tropika Vol. 4 No. 4 (2022): Policy Brief Pertanian, Kelautan dan Biosains Tropika
Publisher : Direktorat Kajian Strategis dan Reputasi Akademik IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agro-maritim.0404.415-419

Abstract

Policy Brief ini merupakan salah satu output dari penelitian dasar hibah Kementerian Riset danTeknologi Pendidikan Tinggi (Kemenristekdikti) tahun ke-3. Naskah ini merumuskan strategi pengembangan pasar pangan organik berbasis perilaku konsumen dan kepuasan pelanggan. Policy brief ini diharapkan dapat diimplementasikan oleh pemangku kepentingan untuk mendukung ketahanan dan keamanan pangan. Policy brief juga diharapkan dapat meningkatkan market share pangan organik di Indonesia serta menyukseskan program 1000 desa organik yang dicanangkan oleh pemerintah.
Factors Affecting Consumer Interest In Electronic Money Usage With Theory Of Planned Behavior (TPB) Anton Nugroho; Mukhamad Najib; Megawati Simanjuntak
Journal of Consumer Sciences Vol. 3 No. 1 (2018): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Social and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.3.1.15-27

Abstract

There are many factors that influence consumer intention to use electronic money. Based on the theory of planned behavior, behavior intention is formed by the attitude toward behavior, subjective norms and perceived behavioral control. This research aims to analyze attitude, subjective norms and perceived behavioral control that affect consumer intention in the usage of electronic money.Data collection from respondents through a structured questionnaire by self-report. Some questions in the questionnaire were made on a Likert scale with five variations of the answers in very strongly disagreeable order to strongly agree. The respondents are 290 undergraduate students that have never used server-based electronic money. The result showed that the attitude toward behavior did not a significantly affect the behavior intention. While the subjective norms and perceived behavioral control have a significant effect on the behavior intention in the usage of electronic money.
Preference Analysis and Purchasing Decision of Fruit Consumers in Generation Y (Case of Modern and Traditional Retail in Bogor) Irpan Effendi; Mukhamad Najib; Kir Brandoko
Journal of Consumer Sciences Vol. 4 No. 2 (2019): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Social and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.4.2.61-75

Abstract

Fruit is categorized as perishable product. Fruit trading still coordinated by direct sales, which consumers come over to the location then choose their own preference. Majority consumers prefer to go to the two shopping places for buying fruit products which is major in Indonesia or Bogor, for instance in modern retail or traditional retail. The issue in consumption character shifts caused by the generation alteration in which can influence business activities in the retail industry. At present, the traditional good retailers of modern generation Y is faced with different characteristics from the previous generation. Data was collected using questionnaires given to 150 respondents from the modern retail and 150 respondents traditional retail. The total questionnaires are 300 Generation Y respondents. The data was analyzed by descriptive analysis and Partial Least Square (PLS). The results indicated that the category in the modern retail the influence of the reference group and ethnocentrism had a positive effect and had the greatest influence on Y generation preferences as well as the categories in traditional retail reference groups and ethnocentrism had a positive and significant effect and product quality and prices have a negative effect on Y generation's preference for fruit shopping in modern retail. Meanwhile personal factors and places have a negative effect on Y generation's preference for fruit shopping in traditional retail. From modern and traditional fruit retailing consumer preferences have a positive and very significant effect on fruit purchasing decisions.
The Influence of Marketing Mix on Brand Image, Motivation and Students Decision to Choose Graduate Studies of IPB University Zukhri Agusty Leo Syamsul Arifin; Ujang Sumarwan; Mukhamad Najib
Journal of Consumer Sciences Vol. 5 No. 2 (2020): Journal of Consumer Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Social and Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jcs.5.2.139-156

Abstract

Competition in the recruitment of graduate students is increasingly tight with the large number of tertiary institutions offering graduate education programs. Universities must develop more competitive marketing strategies to win the competition in the student recruitment market. This study aims to analyze the effect of the marketing mix on brand-image, motivation, and student decisions in choosing a graduate education at the Bogor Agricultural University (IPB) as the place to pursue graduate study. This study uses a causality approach with survey techniques to explain the causal relationship between marketing mix variables, brand image, motivation, and student decisions. The data of this study were collected using a questionnaire from 255 master program students of IPB. Structural Equation Modeling (SEM) is used to analyze the causal relationship between marketing mix with brand-image, motivation, and student decisions. The results showed that products, promotions, people, and physical evidence significantly influence brand-image. Product, place, process, people, physical evidence, and brand image have a significant influence on motivation. The product, promotion, process, people, brand image, and motivation influence the student’s decision. Policy-makers at IPB can consider the findings of this study, while developing a graduate education marketing plan, to increase the number of new students.
Exploring Relationship Value through Second-Order Model and Importance-Performance Map Prita Prasetya; Mukhamad Najib; Teuku Fajar Akbar Darmawan
MIX: JURNAL ILMIAH MANAJEMEN Vol. 15 No. 3 (2025): MIX : Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jurnal_mix.2025.v15i3.003

Abstract

Objectives: This research aims to examine the direct impact of relationship value (RV) on distributor satisfaction through a second-order analysis using structural equation modeling (SEM). The study focuses on understanding how various dimensions of RV contribute to enhancing satisfaction among distributors.Methodology: A cross-sectional survey was conducted, collecting data from 193 middle-class distributors. The analysis employs a second-order model to explore the relationships between RV dimensions and distributor satisfaction, while also utilizing Importance-Performance Map Analysis (IPMA) to identify key areas for improvement.Finding: The results confirm the direct influence of RV on distributor satisfaction. The second-order model effectively identifies several critical dimensions of RV that significantly enhance satisfaction. IPMA results highlight that strengthening distributor reliance on sellers by providing more valuable market insights can boost satisfaction. Additionally, RV supported by seller expertise and timely market entry can foster stronger relationships with principals.Conclusion: This study offers valuable insights for managers, recommending a focus on the most critical dimensions of RV to improve distributor satisfaction and overall performance. By enhancing support and expertise, companies can build more positive and lasting relationships with their distributors.
Co-Authors - Rheinnadia ., Dr. Anantawikrama Tungga Atmadja, S.E., Abdul Kohar Irwanto Abdul Rashid Abdul Subhan Abdullah, Akhyar Abdurrahim, Muhamad Syahid Abiyyu, Ikhwan Achmad Firdaus Achmad Firdaus Firdaus Adi Yusup Tauruy Adi, Dian Purnomo Adil, Adityawarman Adinna Astrianti Adiwena, Muh. Afiatin Dewi Afifah, Aisyah Nur Afra Nazhirah Agus Kistian Agus Maulana Agus Wijaya Soehadi Agus Wiyono Ahmad Mukhlis Yusuf Ahmad Mukhlis Yusuf Ahmad Sapudin Ajun Junaedi Alfa Nursyamiza Nusifera Alhamuddin Alla Asmara Amalia Amalia Ambar Rukmi Dyah Kusumawardani Aminah, Mimin Amir Fikri Anak Agung Gede Sugianthara Anang Subardjo Angelia Angelia Anggraini Sukmawati Anita Susanti Annisa Rizki Khairan Anton Nugroho Anton Nugroho Ariani, Annestie Ariansyah Ariansyah Arif Imam Suroso Arifin, Zukhri Agusty Leo Syamsul Arman Jauhari Arry Ekananta Arzaq Tahara Fitwantyo Asep Taryana Awisal Fasyni Ayu Ningsetya Mardika Riskhi Baderi Baderi Bagus Sartono Bella Nandita Bhertin Karunia Binagusto Mochammad Brandoko, Kir Budi Eko Soetjipto Budi Suharjo Buger Wijaya Yuana Bustanul Arifin Chaerani, Septi Nur Dadang Supriyatno Darmawan, Teuku Fajar Akbar Dasiroh, Umi Dedi Mulyono, Dedi Deni Nasri Desi Nurhikmahyanti Dewi Inda Musni Dharmawan Santoso, Dharmawan Dimas Febriyan Priambodo Dini Agustina Djoko Wahyono Dodik Ridho Nurrochmat Dr. Anantawikrama Tungga Atmadja, S.E., . Effendi, Irpan Elina Adi wijayanti Erliza Noor Evy Fausiah Faqih Udin dan Jono M. Munandar Meivita Amelia Faris Salman Farit Mochamad Afendi Febrina Mahliza Fermico Karambut Fety Nurlia Muzayanah Fifin Oktaviani Fitry Primadona Hanafi Hanafi Haniarta Gemilang Sari Hansen Tandra Hansen Tandra Hardiana Widyastuti Harianto Hartoyo Hartoyo Hartoyo Hartoyo Heni Istianawati Hermawan Setiawan Heti Mulyati Hidayat, Suryo Husni, Ahmad bin Muhammad I Nyoman Surasana Ibrahim Chalids Idqan Fahmi Iif Syarifah Ilahi, Yudi Fasrah Imam Teguh Saptono Irfan Syauqi Beik Irpan Effendi Irwan Siswanto Ismujianto - Istanti Rustiana Joni Iskandar Joni Iskandar, Joni Jopang, Jopang Jovita Jovita Juniar Prayogi Juniar Prayogi kambolong, makmur Kandiana Wati Kartina Kartina Kasmiruddin " Kehek, Isak Khairani Khairani Kir Brandoko Kirbrandoko Kirbrandoko Kuncoro, Ardhika Wahyu Kuntadi, Yahya Agung Kusdiantomo Kusdiantomo Lalita Paraduhita Martha leong, yee choy Lilla Noervita Lusi Dewi Lutfhan Hadi Priambodo Luthfa Jamilah M. Syamsul Maarif Ma'arif, M. Syamsul Ma'mun Sarma Mamori, Dore Rhendy Maulana, Syahrizal Ma’mun Sarma Megawati Simanjuntak Meutia Rahma Miswatun, Siti Monica Puspa Sari Muh Faturokhman Muhamad Yudi Setiawan Muhammad Irdy Eka Mahendra Muhammad Shofiyuddin Muhammad Sigit Susanto Muhammad Subianto Muhammad Syamsun Mukhamad Yasid Mukhamad Yasid Mukhamad Yasid, Mukhamad Mukti Ali, Mochammad Murniati, Andi Musa Hubeis Mustofa, Mutmainnah Nanda Naufal Rofiza Haidar Nanda Nur Rafiana Niskawati, Niskawati NUR AENI Nur Ardiansyah Nur Hadi Wijaya Nur Syamsiyah Nurhandayani, Arum Nurhendra Fatma Nyoman Trisna Herawati Octaviani, Siti Nurfajar Ono Suparno pratomo, edwin agung Priastuti, Dila Pristiwantoro, Eko Cahyo Prita Prasetya Priyanto, Hery Pudji Muljono purwanti, ninik endang Puspitasari Puspitasari Putri Utami Ruswandi R. Endro Wibisono Rahma Rahayu Dinarlita Rahmad Hakim Rajuddin Rajuddin Ramadhan, Yusuf rasyida leila ramadlana Rinda Tri Wijayanti Rini, Riska Firda Risen Anugrah Rita Nurmalina Riva Ismawati Rizal Syarief Rosdwianty, Sintya Rosdwianty, Sintya Roslina Roslina Rudi Susilo S Siswanto Sagitta, Ajeng Eka Saiful Anwar Salwa Inaayatullah Fannani Santa Tri Dwi Sartika Waruwu Sarma, Ma’mun Sartono Sartono, Sartono sayekti, ayutyas Setiabudy, R. - Setiadi Djohar Setiadi Djohar Setiadi Djohar Setiadi Djohar Setiadi Djohar Setyo Ferry Wibowo Silvia Dewi Sagita Andik Siti Jahroh Siti Nurfajar Octaviani Sitti Nurani Sirajuddin Soeparno . Sonny Elfiyanto Stevia Septiani Suhendi Sujiati Sujiati SUMIYATI SUMIYATI Surawijaya, Angga Alan Surya Gumilar Susan Susan Susana Chandra Susanti susanti, marni Sutomo Sutomo Suzanna Ndraha Syahdar Baba Syarah Nurul Amaliah Tandra, Hansen Tanti Novianti Taslim Ersam Teuku Fajar Akbar Darmawan Tika Cahyanti, Tika Tofan Tri Nugroho Tri Murti Andayani Ujang Sumarwan Ujang Sumarwan Utari, Lilik Utha, Arifin Vania Pramatatya Wardono, S - Widayanti Widayanti Wistiani . Yahya Agung Kuntadi Yani Cahyo Susilo Yasin, Ilyas Yeti Lis Purnamadewi Yudha Heryawan Asnawi Yulandi Yuli Astutik Yusiran Yusiran, Yusiran Yusman Syaukat Yusnia Kaharuddin, Yusnia Zainal Abidin Zukhri Agusty Leo Syamsul Arifin