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All Journal SEGMEN Jurnal Manajemen dan Bisnis JURNAL AKUNTANSI UNIVERSITAS JEMBER UNEJ e-Proceeding Jurnal Akuntansi dan Pajak JURNAL MANAJEMEN DAN BISNIS INDONESIA BALANCE: Economic, Business, Management and Accounting Journal Review of Management and Entrepreneurship Jurnal Pengabdian Multidisiplin Jurnal Penelitian Ilmu Sosial dan Eksakta CONSEN: Indonesian Journal of Community Services and Engagement VALUE: Journal of Business Studies Research Horizon Jurnal Abdimas Independen eJEBA JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Pengabdian Masyarakat IPTEKS Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Alfi Arif
Fakultas Ekonomi Dan Bisnis, Universitas Jember, Indonesia
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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Analisis Minat Penggunaan Mobile Banking Dengan Pendekatan Technology Acceptance Model (TAM) Yang Telah Dimodifikasi Hanif Astika Kurniawati; Alfi Arif; Wahyu Agus Winarno
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 4 No. 1 (2017): e-JEBA Volume 4 Nomor 1 Tahun 2017
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v4i1.4563

Abstract

This study aimed to analyze the factors that may affect students' perceptions about the intention to use mobile bankingapplications to support their daily activities. The research model was developed using a Technology Acceptance Modeldeveloped by Davis (1989), and by including three external variables that experience, complexity, and gander. The researchmodel empirically tested using data from a survey of students at the University of Jember. The sampling method in this studyusing a clustered random sampling. The questionnaire of 120 students who receive offers mobile banking service that qualifiesas a sample analyzed using Structural Equation Modelling (SEM) using AMOS 22.0. The results showed that all constructs inthe original TAM model was statistically significant. On the other hand, gender as external variables in this study had no effecton perceived usefulness and perceived ease of use. The implications of this study are relevant for students who are interested inusing mobile banking in order to better take into account the experience and ease of use. Mobile banking users is expected tobe more confident with using mobile banking can simplify their banking activity.
Inovasi Keuangan Digital: Mendorong Pertumbuhan Pendapatan UMKM Kuliner Di Era Normal Baru Wijayantini, Bayu; Arif, Alfi; din, mariana mohd
Jurnal Manajemen dan Bisnis Indonesia Vol. 10 No. 2 (2024): Edisi Bulan Desember
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jmbi.v10i2.2695

Abstract

Inovasi Keuangan Digital (fintech) di Indonesia, khususnya melalui e-payment, e-commerce, dan kualitas layanan elektronik (e-servqual), telah memberikan dukungan signifikan kepada usaha mikro, kecil, dan menengah (UMKM), terutama dalam menghadapi tantangan selama pandemi COVID-19. Penelitian ini berfokus pada UMKM kuliner di Jember, untuk menilai bagaimana inovasi fintech tersebut mempengaruhi pendapatan mereka di era normal baru. Melalui analisis regresi linier berganda, penelitian ini mengevaluasi pengaruh e-payment, e-commerce, dan e-servqual terhadap pertumbuhan pendapatan UMKM. Hasil penelitian menunjukkan bahwa adopsi e-payment menghadapi hambatan dalam hal kemudahan penggunaan dan tidak berpengaruh signifikan terhadap pendapatan, sementara e-commerce dan e-servqual berdampak positif terhadap pertumbuhan pendapatan. Temuan ini mengindikasikan bahwa inovasi keuangan digital, terutama perbaikan dalam sistem e-payment, dapat lebih meningkatkan kinerja bisnis UMKM. Penelitian ini menyoroti perlunya pengembangan layanan fintech yang berkelanjutan untuk membantu UMKM berkembang dalam lingkungan bisnis yang terus berubah, dengan harapan inovasi keuangan digital ini dapat lebih mendorong pertumbuhan pendapatan.
Total Quality Management and Financial Performance: Strengthening Organizational Culture for Long-Term Business Sustainability Murtalingntyas, Wenny; Wijayantini, Bayu; Arif, Alfi; Abusaada, Husam A. Y; Sobri, Taufik
Jurnal Manajemen dan Bisnis Indonesia Vol. 11 No. 1 (2025): Edisi Bulan Juni 2025
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jmbi.v11i1.3237

Abstract

Dalam lingkungan bisnis yang semakin kompetitif dan sensitif terhadap isu keberlanjutan, perusahaan harus terus melakukan perbaikan berkelanjutan untuk menjaga kinerja keuangan dan memastikan keberlanjutan bisnis jangka panjang. Total Quality Management (TQM) menjadi salah satu alat strategis, namun keberhasilannya sangat bergantung pada kekuatan budaya organisasi. Penelitian ini bertujuan untuk menganalisis integrasi TQM dalam budaya organisasi serta dampaknya terhadap kinerja keuangan. Pendekatan mixed-methods digunakan di Perum Perhutani KPH Banyuwangi, dengan analisis kuantitatif menggunakan regresi berganda dan analisis kualitatif melalui wawancara mendalam serta analisis tematik. Studi dilakukan pada Perum Perhutani dengan menitikberatkan peran budaya organisasi dalam memoderasi hubungan antara TQM dan kinerja keuangan. Hasil penelitian menunjukkan bahwa TQM secara signifikan meningkatkan Return on Assets (ROA) dan Return on Investment (ROI) serta menurunkan biaya operasional. Budaya organisasi yang mendorong inovasi dan perbaikan berkelanjutan memperkuat efektivitas penerapan TQM. Budaya organisasi tidak hanya mendukung, tetapi juga mempercepat manfaat finansial dari implementasi TQM. Integrasi TQM ke dalam budaya organisasi menjadi kunci untuk mendorong kinerja bisnis yang berkelanjutan. Studi ini memberikan kontribusi terhadap literatur dengan menyoroti pentingnya dimensi budaya dalam TQM serta menawarkan wawasan praktis bagi organisasi yang ingin membangun ketahanan dan daya saing di industri yang dinamis.
Transformasi Digital: Strategi Digipreneurship untuk UMKM Bayu Wijayantini; Alfi Arif; Taufik Sobri
Jurnal Pengabdian Masyarakat IPTEKS Vol. 10 No. 2 (2024): PENGABDIAN MASYARAKAT IPTEKS
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/jpmi.v10i2.2236

Abstract

Kemajuan teknologi informasi dan komunikasi mendorong munculnya digipreneurship sebagai pendekatan kewirausahaan inovatif yang berfokus pada pemanfaatan teknologi digital. Dalam konteks Revolusi Industri 5.0, integrasi manusia, teknologi, dan mesin semakin penting untuk meningkatkan daya saing bisnis. Digipreneurship memerlukan kreativitas dalam mengidentifikasi pasar niche, mengembangkan ide bisnis, serta menerapkan strategi pemasaran digital melalui platform yang relevan. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan daya saing UMKM Bubuk Cabai "BukBe" di Kabupaten Bondowoso melalui pelatihan dan pendampingan berbasis digipreneurship. Tantangan utama yang dihadapi mitra mencakup keterbatasan dalam pemasaran digital, desain kemasan yang kurang menarik, dan minimnya pemanfaatan teknologi dalam strategi pemasaran. Program ini dilaksanakan selama empat bulan menggunakan metode Survei dan Analisis Kebutuhan, pelatihan digital marketing, pendampingan pembuatan konten pemasaran, serta implementasi strategi pemasaran digital melalui Instagram dan marketplace. Hasil kegiatan menunjukkan peningkatan kemampuan mitra dalam menyusun rencana pemasaran digital, memperbarui desain produk, dan memanfaatkan teknologi untuk memperluas pasar.Sebagai hasilnya, program ini berhasil meningkatkan kemampuan mitra dalam bersaing di dunia bisnis sekaligus mendorong pertumbuhan ekonomi kreatif berbasis potensi lokal di Bondowoso. Program ini diharapkan dapat menjadi inspirasi atau acuan bagi pengembangan UMKM lainnya dalam mempercepat proses transformasi digital guna mendukung pertumbuhan ekonomi yang berkelanjutan
Muhammadiyah-Based Community Engagement: Qur’anic Literacy, Worship Discipline, and Financial Empowerment: Keterlibatan Komunitas Berbasis Muhammadiyah: Literasi Al-Qur’an, Disiplin Ibadah, dan Pemberdayaan Keuangan Daryanto Daryanto; Bayu Wijayantini; Taghfirul Azhima Yoga Siswa; Alfi Arif; Nursaid Nursaid; Taufik Sobri; Triawan Adi Cahyanto
CONSEN: Indonesian Journal of Community Services and Engagement Vol. 6 No. 1 (2026): Consen: Indonesian Journal of Community Services and Engagement
Publisher : Institut Riset dan Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57152/consen.v6i1.2629

Abstract

This community service program aimed to strengthen Qur'anic literacy, worship discipline, and basic financial literacy among the congregation of Surau Wang Ulu, Kangar, Perlis, Malaysia, through a Muhammadiyah values-based empowerment approach. The ten-week program employed Participatory Action Research (PAR) across five stages: needs assessment, planning, implementation, evaluation, and follow-up. A total of 50 main participants took part, comprising 38 children aged 7–15 and 12 adults, with 25 parents and surau administrators serving as supporting participants. Interventions included talaqqi-based Qur'anic instruction, structured salah simulation, individual mentoring, parental engagement workshops, and basic financial literacy sessions. Data were collected through pre- and post-assessments, observation checklists, attendance records, and participant feedback, and analyzed descriptively. Post-programme assessments showed improvements across all measured indicators: tahsin recitation accuracy (72%), tajwid application (70%), beginner Qur'anic reading progression (65%), salah movement accuracy (68%), congregational prayer participation (75%), and basic financial literacy (60%). Community attendance throughout the programme reached 85%. These findings indicate that an integrated Muhammadiyah-based community service model combining spiritual, worship, and life-skills components can yield measurable improvements across religious and socioeconomic domains.
Linking Faith Based Culture and Managerial Skills to Fi-nancial Performance: Evidence from Islamic Banks Hendrik Tri Oktaviansyah; Bayu Wijayantini; Alfi Arif; Robby Reza Zulfikri; Taufik Sobri; Husam A. Y Abusaada
Jurnal Penelitian Ilmu Sosial dan Eksakta Vol. 5 No. 1 (2025): September
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/trilogi.v5i1.1700

Abstract

The growth of Islamic banking in Indonesia reflects the increasing demand for financial systems that align with faith-based values and ethical management practices. Within this context, the success of Islamic banks depends not only on financial instruments but also on how Islamic culture and managerial capability shape employee motivation and performance. This study aims to examine the influence of Islamic organizational culture and managerial capability on financial performance, with work motivation as a mediating variable. A quantitative method was employed using primary data collected from 80 employees of Bank Syariah Indonesia (BSI). The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test direct and indirect relationships among the variables.The results reveal that Islamic organizational culture and managerial capability significantly enhance employee motivation, improving performance and strengthening the bank’s financial outcomes. Work motivation partially mediates the relationships between Islamic values, managerial competence, and financial performance.This study emphasizes the need for Islamic banks to integrate faith-based culture with managerial excellence to build motivated, ethical, and high-performing employees. The findings contribute to Islamic finance scholarship by demonstrating that spiritual and behavioral dimensions within organizations can yield.
Enhancing Financial Resilience through Green Innovation: The Mediating Effect of Operational Efficiency in Indonesian Energy Companies Rival Adha Saleh; Nining Ika Wahyuni; Alfi Arif
Al Qodiri : Jurnal Pendidikan, Sosial dan Keagamaan Vol. 24 No. 2 (2026): Al Qodiri: Jurnal Pendidikan, Sosial dan Keagamaan
Publisher : Universitas Islam KH. Achmad Muzakki Syah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/alqodiri.v24i2.174

Abstract

Financial resilience has become increasingly important for energy companies facing economic uncertainty, transition risks, and growing sustainability pressures. Although green innovation is widely recognized as a strategic capability for improving environmental and business outcomes, its direct contribution to financial resilience remains unclear, particularly in emerging-market energy sectors. This study examines the effect of green innovation on financial resilience and investigates the mediating role of operational efficiency in energy companies listed on the Indonesia Stock Exchange during the 2021–2025 period. Using a quantitative explanatory design, this study analyzes balanced panel data from 20 energy companies, resulting in 100 firm-year observations. Financial resilience is proxied by cash holding, green innovation is measured using the Green Innovation Disclosure Index, and operational efficiency is proxied by asset turnover. Panel data regression is employed to test the direct effects, while the Sobel test is used to examine the mediation effect. The results show that green innovation does not directly affect financial resilience. However, green innovation has a positive and significant effect on operational efficiency, and operational efficiency positively affects financial resilience. The mediation test confirms that operational efficiency fully mediates the relationship between green innovation and financial resilience. These findings indicate that green innovation cannot be treated merely as environmental disclosure; it becomes financially meaningful only when transformed into an operational capability that improves asset utilization and efficiency. This study extends the Resource-Based View by showing that sustainability-oriented capabilities require an internal conversion mechanism before generating resilience outcomes. Practically, the findings suggest that energy companies should align green innovation initiatives with operational efficiency improvements to strengthen financial stability and long-term sustainability.
Co-Authors Abusaada, Husam A. Y Andriana Andriana Andriana Andriana Arif Hidayatullah Arif Hidayatullah Ayu Retsi Lestari Bayu Wijayantini Bayu Wijayantini, Bayu Daryanto din, mariana mohd Frisma Novela Arisandy Ghina Nurul Jannah Ghina Nurul Jannah Hanif Astika Kurniawati Hendrawan Santosa Putra Hendrik Tri Oktaviansyah Husam A. Y Abusaada Ika Anisa Putri Imam Mas'ud Indah Purnamawati Iswi Hariyani Kartika Kartika Kartika Kartika Kartika Kartika M. Farid Afandi Maheni Ika Sari Marieta Julianti Meilinda Rafika Sari Moch Fariz Fauzi Mohammad Fiqkri Mohammad Fiqkri Murtalingntyas, Wenny Nadya Astadewi Putri A Nanang Asfufi Nining Eka Wahyuni Nining Ika Wahyuni Nining Ika Wahyuni Nursaid Nursaid Pangesti Mulyono, Resha Dwi Ayu R. Andi Sularso Raissa Aulia Salasabila Raissa Aulia Salsabila Reza Eka Putra, Reza Eka Rival Adha Saleh Robby Reza Zulfikri Rofi Nur Ariffadia Septarina Prita Dania Sofiana Septarina Prita Dania Sofianti Septarina Prita DS Siti Maria Wardayati Siti Maria Wardayati Sobri, Taufik Sri Utami Zulaikhoh Sudarno Sudarno Taghfirul Azhima Yoga Siswa Taufik Kurrohman Taufik Sobri Taufik Sobri Taufiq Sobri Theresia Susetyarsi Triawan Adi Cahyanto Wahyu Agus Winarno Warsito Warsito wasito wasito Wasito Wasito Winda Septianita Yosefa Sayekti Yosefa Sayekti