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All Journal Coopetition : Jurnal Ilmiah Manajemen Indonesian Community Service and Empowerment Journal (IComSE) Jurnal Dharma Bhakti Ekuitas Kriez Academy KISA INSTITUE : Journal of Economics, Accounting, Business, Management, Engineering and Society Jesocin : Journal of Jabar Economic Society Networking Forum Jesocin : Journal of Economics, Accounting, Business, Management, Engineering and Society Banking & Management Review
Endang Ruchiyat
Sekolah Tinggi Ilmu Ekonomi Ekuitas
Religion Arts Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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PENGEMBANGAN DAN PENINGKATAN KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DAARUT TAUHID DALAM RANGKA MENINGKATKAN KESEJAHTERAAN UMAT Rahmat -; Dadang Agus Suryanto; Endang Ruchiyat
Jurnal Dharma Bhakti Ekuitas Vol 4 No 1 (2019): Jurnal Dharma Bhakti
Publisher : STIE Ekuitas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52250/p3m.v4i1.157

Abstract

Program pengabdian masyarakat ini bertujuan memberikan pembinaan tentang pengembangan kinerja BPRS dan memberikan pemahaman tentang penerapan tata kelola BPRS yang baik, berdasarkan pertimbangan pemikiran bahwa BPRS sangat berperan dalam memberdayakan ekonomi umat berdasarkan prinsip Syariah dengan mengembangkan golongan ekonomi lemah yaitu Usaha Mikro, Kecil, dan Menengah (UMKM). Kegiata pengabdian melibatkan pengurus, pejabat eksekutif dan pegawai BPRS. Melalui program pengabdian tersebut memberikan nilai tambah dan manfaat khusunya untuk BPRS Daarut Tauhid, sehingga dapat mengelola Dana dengan baik dan menyalurkan pembiayaan kepada UMKM meningkat. Berkembangnya usaha dan berjalannya prinsip-prinsip tata kelola yang baik diantaranya terdapat kelengkapan kebijakan, pedoman/SOP, peningkatan kualitas Sumber Daya Insani, penataan teknologi akuntasi, serta adanya perluasan jaringan, kinerja BPRS Daarut Tauhid semakin tumbuh dan berkembang, UMKM berkembang berdampak pula pada meningkatnya kesejahteraan umat. Keberadaan BPRS Daarut Tauhid juga memberikan pengaruh terhadap terjadinya pengembangan ekonomi Syariah pada daerah tersebut.
Analisis Rasio Modal, Efisiensi Operasional, Bunga Bersih, Likuiditas, Dan Kredit Bermasalah, Terhadap Rasio Laba Rahmat Rahmat; Endang Ruchiyat
Coopetition : Jurnal Ilmiah Manajemen Vol. 12 No. 3 (2021): Coopetition: Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v12i3.751

Abstract

This study aims to analyze financial ratios which include Capital Ratios, Operational Efficiency Ratios, Net Interest Ratios, Liquidity Ratios, Non-Performing Loans Ratios to Profit Ratios at Conventional Commercial Banks in Indonesia. The banks studied were based on bank grouping in terms of ownership category which included State-Owned Banks, National Private Foreign Exchange Banks, National Private Non-Foreign Exchange Banks, Regional Development Banks, Joint Venture Banks, and Foreign Banks. The analysis technique used is multiple regression analysis. Because the data used is secondary data, to determine the accuracy of the model, it is necessary to test several classical assumptions that underlie the regression model. Classical assumption tests used in this study include tests, normality, multicollinearity, heteroscedasticity and autocorrelation. Furthermore, to test the effect of financial ratios as mentioned, statistical tests withused Multiple Linear Regression were. Based on the research, it is found that the Capital Ratio, Operational Efficiency, Interest Yield, Liquidity, and Non-Performing Loans affect bank profits.
Pendampingan Penyusunan Pedoman Staffing Model Untuk Meningkatkan Efisiensi Usaha Pada PT. Asuransi Bangun Askrida Bandung Endang Ruchiyat Ruchiyat; Rahmat Rahmat; Dadang Agus Suryanto
Indonesian Community Service and Empowerment Journal (IComSE) Vol 2 No 2 (2021): Inonesian Community Service and Empowerment Journal (IComSE)
Publisher : Divisi Pengabdian dan Pemberdayaan Masyarakat (DP2M) UNIKOM

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (326.547 KB) | DOI: 10.34010/icomse.v2i2.5449

Abstract

This community service activity was carried out in Kelurahan, Cijagra, Lengkong District, Bandung City, 40253 with the target of PT. Askrida Insurance Bandung. Based on interviews and observations, the problems faced by partners today are the amount of premium rates that are difficult to compete with similar companies, poor work governance that requires employees to work overtime every day and the slow delivery of services to customers. This program has the following objectives: 1) improving the welfare of the community through the improvement of healthy financial institutions, especially insurance 2) improving the skills and professionalism of the community 3) increasing business efficiency for partners so that they are able to compete and serve the community better. This activity uses two approaches, namely the training and mentoring approach. The training approach includes: 1) job analysis training; 2) training on work load analysis (work load analysis); and 3) skills training for the preparation of staffing model guidelines. While the mentoring methods include: 1) assistance in conducting job analysis; 2) workload analysis assistance; 3) assistance in the preparation of staffing model guidelines. The results of this community service activity have an impact on clients to be able to organize their employees well, so as to improve business efficiency and serve the community better.
EXPLORING THE INFLUENCE OF UNIVERSITY-SME COLLABORATIVE INNOVATIONS ON TECHNOLOGY IN INDONESIA: A MULTILEVEL PERSPECTIVE Budi Raharja , Arif; Ruchiyat, Endang; Matriadi , Faisal
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

Technological innovation plays a key role in facing the complex challenges faced by Indonesia in the era of globalization. Collaboration between universities and Small and Medium Enterprises (UKM) has been recognized as an effective way to accelerate technological development that is relevant to society's needs. In this study, we explore the influence of collaborative innovation between universities and SMEs on technology in Indonesia using a multilevel perspective. This perspective includes three levels of analysis: micro, mezzo, and macro. At the micro level, we see the interaction of individuals and organizations in collaboration. At the mezzo level, we consider the dynamics and relationships between universities and SMEs. Meanwhile, at the macro level, we pay attention to external factors such as government policies and economic conditions that influence collaboration. Through this analysis, we highlight the important role of government policy in creating a conducive environment for collaboration, supporting necessary infrastructure, regulatory and bureaucratic reform, determining strategic research priorities, and establishing innovation networks. We conclude that collaboration between universities and SMEs has great potential to accelerate technological development in Indonesia, but requires appropriate support and policies from the government as well as good coordination between various stakeholders.  
EXPLORING THE INFLUENCE OF WORK-TO-VENTURE ROLE CONFLICT ON HYBRID ENTREPRENEURS' TRANSITION INTO ENTREPRENEURSHIP IN INDONESIA Matriadi , Faisal; Ruchiyat, Endang; Budi Raharja , Arif
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

Abstract This research aims to examine the influence of role conflict between main job and side business on the transition of hybrid entrepreneurs to full-time entrepreneurship in Indonesia. Hybrid entrepreneurs are individuals who run a side business while still maintaining their main job as their main source of income. Role conflict may arise due to the dual demands of both roles, which may affect the hybrid entrepreneur's motivation, commitment, and ability to transition to full-time entrepreneurship. This research uses a combined approach between literature study analysis and online surveys. First, a detailed search was conducted in academic databases to identify current and relevant information on role conflict and the transition to entrepreneurship. Literature study analysis is used to build a strong conceptual framework. Next, an online survey was distributed to hybrid entrepreneurs in Indonesia to collect primary data on experiences, perceptions and challenges faced in the transition to full-time entrepreneurship. The research results show that role conflict between main job and side business influences the motivation and commitment of hybrid entrepreneurs in deciding to switch to full-time entrepreneurship. Hybrid entrepreneurs tend to experience pressure and stress because they have to divide their attention and time between their main job and side businesses. Value conflicts between professional obligations and entrepreneurial ambitions may also interfere with hybrid entrepreneurs' commitment to their side businesses. Strategies used by hybrid entrepreneurs to overcome role conflict include effective time management, use of productivity tools, psychological strategies such as meditation or relaxation, task delegation, and role integration between main job and side hustle. Hybrid entrepreneurs are also strongly influenced by the external environment, including regulatory factors and infrastructure support. Business-friendly regulations and good infrastructure support facilitate the transition of hybrid entrepreneurs to full-time entrepreneurship by reducing the administrative and operational burdens faced.  
ANTICIPATING NEW VENTURE GESTATION OUTCOMES IN INDONESIA: INSIGHTS FROM MACHINE LEARNING TECHNIQUES Aripin, Zaenal; Ruchiyat, Endang; Budi Raharja , Arif
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

Machine Learning (ML) techniques have become an important instrument in analyzing data and supporting strategic decision making in various industries, including business. In the dynamic Indonesian context, ML has great potential in increasing the accuracy of predictions of market trends and consumer demand, which in turn allows companies to make better decisions in developing new businesses. This abstract explores the contribution of ML in improving understanding of market and consumer behavior, as well as the challenges faced in implementing it. ML enables in-depth analysis of market data and consumer behavior, helping companies predict future market trends, identify business opportunities, and design more effective marketing strategies. However, challenges such as availability of quality data, lack of understanding of ML, and integration with existing business processes need to be addressed. It is recommended that companies increase investment in data infrastructure and human resource training in ML, as well as strengthen collaboration between the private sector, government and academic institutions. By overcoming these challenges, companies can harness the full potential of ML to increase their competitive advantage, create significant added value, and optimize business growth opportunities in Indonesia.    
UNDERSTANDING THE RELATIONSHIP BETWEEN MARKET ORIENTATION, FAILURE LEARNING ORIENTATION, AND FINANCIAL PERFORMANCE Ruchiyat, Endang; Ayu Amrita , Nyoman Dwika; Budi Raharja , Arif
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

This study discusses the relationship between market orientation, failure learning orientation, and company financial performance. Market orientation reflects a company's ability to identify and respond effectively to market needs, while failure learning orientation emphasizes the importance of learning from negative experiences to improve innovation and operational efficiency. The main objective of this research is to understand how the integration between a strong market orientation and a failure learning orientation can affect a company's financial performance. This research uses a literature study approach by analyzing various relevant journal articles, textbooks and research reports. The results of the literature analysis show that a strong market orientation is positively related to increasing company revenues through product development that is more in line with customer needs and the effectiveness of marketing strategies. In addition, a strong market orientation is also associated with increased profitability through appropriate pricing strategies and high customer retention. On the other hand, failure learning orientation plays a crucial role in enhancing corporate innovation. The ability to learn from mistakes allows organizations to design better products or services, avoid similar risks in the future, and adapt to market changes. Literature research also shows that companies that are able to integrate a failure learning orientation in their organizational culture tend to be more adaptive and innovative. Furthermore, integration between a strong market orientation and a failure learning orientation can produce better financial results. Companies that have a strong focus on market needs and are open to learning from failure tend to experience higher revenue growth, improve operational efficiency, and create sustainable competitive advantages. Thus, this research concludes that the strategic combination of a strong market orientation and failure learning orientation can make a significant contribution to a company's financial performance in facing a dynamic business environment.  
EXPLORING THE INFLUENCE OF ONLINE DISCUSSION BOARDS ON EQUITY CROWDFUNDING DYNAMICS Ruchiyat, Endang; Ay, Nyoman Dwika; Budi Raharja , Arif
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 6 (2024): Kriez Academy - May
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

Equity crowdfunding has become a popular method of funding small and medium enterprises (SMEs) and startups. As internet technology has developed, online discussion forums have also played an increasingly important role in shaping perceptions and investment decisions in the industry. This abstract examines the impact of online discussion forums on the dynamics of equity crowdfunding and how regulations related to both influence the behavior of investors, market players, and technology development. By analyzing relevant literature, it is concluded that online discussion forums play an important role in providing a platform for investors to obtain information, validate investment ideas, and influence overall market sentiment. However, the effectiveness of online discussion forums can be influenced by several factors, including the credibility of the information, the presence of moderators, and interactions between forum members. Meanwhile, regulations relating to equity crowdfunding and online discussion forums can play a complex role in shaping the behavior of investors and market participants. Clear and transparent regulations can increase trust and participation in the industry, while regulations that are too strict or inflexible can stifle growth and innovation. Therefore, it is recommended that governments, regulators and industry players work together to create a regulatory framework that is inclusive, responsive and results-oriented. Public education and awareness about the importance of regulation and judicious use of online discussion forums are also crucial steps in ensuring the survival and health of the industry.
ANALYSING THE INFLUENCE OF INTERNET CELEBRITY SHORT VIDEOS ON VIEWER BEHAVIOUR: BEAUTY AS A PERSUASIVE FACTOR Redjeki, Finny; Aripin, Zaenal; Ruchiyat, Endang
KRIEZ ACADEMY : Journal of development and community service Vol. 1 No. 7 (2024): Kriez Academy - June
Publisher : Yayasan Kreatif Indonesia Emas

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Abstract

This study investigates the influence of short videos by internet celebrities on consumers' perceptions and behavior towards beauty products, with a focus on the authenticity and credibility factors of influencers. The use of social media and platforms like TikTok, Instagram, and YouTube have changed the digital marketing paradigm, with beauty influencers playing a key role in influencing consumer preferences and purchasing decisions. This analysis integrates psychological theories such as identification with influencers, consumer motivation, and information processing processes to understand the mechanisms underlying the influence of these short videos. Influencer authenticity, which includes consistency in product recommendations and transparency in interactions with followers, was identified as a crucial factor in building consumer trust. Research shows that this authenticity not only strengthens the emotional bond between influencers and followers, but also strengthens the persuasive impact of the beauty messages conveyed. Additionally, an influencer's credibility, which is often tied to their reputation and experience in the beauty industry, plays an important role in increasing followers' appeal and acceptance of the products being promoted. The results of this study show that a successful influencer marketing strategy in the beauty industry must consider integrity and transparency as the main pillars. Brands should strive to build ongoing collaborations with influencers who have aligned values and prioritize honesty in conveying product information to their followers. Meanwhile, influencers need to pay attention to honesty in recommending products in order to maintain their credibility in the long term. This research provides valuable insights for marketing practitioners to optimize influencer marketing strategies in the dynamic beauty context. By understanding the role of authenticity and credibility in influencing consumer attitudes and behavior, brands can leverage the positive influence of influencers to build strong relationships with their audiences and achieve more effective marketing goals.
INNOVATIVE BUSINESS MODEL DESIGN: A TRIPLE-LAYERED APPROACH FOR INDONESIA'S FASHION SECTOR Sjoraida , Diah Fatma; Ayu Amrita, Nyoman Dwika; Ruchiyat, Endang
Journal of Economics, Accounting, Business, Management, Engineering and Society Vol. 1 No. 6 (2024): Kisa Institute - May
Publisher : PT. Kreatif Indonesia Satu

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Abstract

The Indonesian fashion industry faces increasingly complex challenges in increasing its competitiveness and sustainability in the global market. To overcome this, the use of technology and innovation is the key to developing adaptive and relevant business models. In this abstract, we explain how technology and innovation can be optimally implemented in fashion business model design to achieve these goals. First, digitalization and e-commerce are the main strategies for optimizing online presence, expanding market reach, and increasing operational efficiency. Second, data analysis and artificial intelligence provide deep insights into consumer trends and market preferences, enabling smarter decisions in business strategy. Third, blockchain technology increases supply chain transparency, strengthening consumer confidence in sustainable and ethical production practices. Fourth, the use of augmented reality (AR) and virtual reality (VR) can improve consumer experiences in online shopping, differentiate fashion brands, and build closer relationships with consumers. Lastly, partnerships with technology startups open access to innovative solutions in logistics, stock management, product development and digital marketing, driving innovation across the Indonesian fashion industry value chain. By holistically integrating technology and innovation in fashion business model design, the Indonesian fashion sector can strengthen its competitiveness in a dynamic global market while improving the sustainability of business practices. It requires investment in digital infrastructure, skilled human resources and a strong culture of innovation in fashion companies to fully exploit the potential of this technology. Thus, adopting technology and innovation with the right approach will bring the Indonesian fashion industry to a higher level in achieving the goals of sustainable competitiveness and sustainability.  
Co-Authors Ay, Nyoman Dwika Ayu Amrita , Nyoman Dwika Ayu Amrita, Nyoman Dwika Budi Raharja , Arif Dadang Agus Suryanto Ermelia , Sri Faisal, Ijang Fitriana Matriadi, Faisal Rahmat - Redjeki, Finny Riana, Nia Ricky Agusiady Sjoraida , Diah Fatma Zaenal Aripin