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All Journal JURNAL ILMU MANAJEMEN DAN BISNIS Tazkia Islamic Finance and Business Review Jurnal Ilmiah Universitas Batanghari Jambi Bisma: Jurnal Bisnis dan Manajemen Jurnal Ekonomi Efektif AJAD : Jurnal Pengabdian kepada Masyarakat BISMA (Bisnis dan Manajemen) Formosa Journal of Applied Sciences (FJAS) VALUE: Journal of Business Studies JPMA Journal of Public and Business Accounting E-Amal: Jurnal Pengabdian Kepada Masyarakat Reflection: Islamic Education Journal eJEBA
Lilik Farida
Fakultas Ekonomi Dan Bisnis, Universitas Jember, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Intention model and factors leading to MSMEs falling into the trap of illegal online loans Farida, Lilik; Saleh, Chairul; Indraningrat, Ketut; Utami, Elok Sri; Apriliana, Tria
BISMA (Bisnis dan Manajemen) Vol. 18 No. 1 (2025)
Publisher : Universitas Negeri Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/bisma.v18n1.p86-112

Abstract

The micro, small, and medium enterprises (MSMEs) sector in Indonesia plays a vital role in the economy and job creation, but often struggles with limited access to capital. As a result, many MSMEs turn to fintech solutions or online loans, including illegal ones, which usually trap them in high-interest debt. Factors influencing this behaviour include social norms, perceived behavioural control, financial literacy, risk perception, interest rates, social influence, perceived ease of use, perceived usefulness, trust in illegal loans, education level, and social media usage for advertising. At the same time, the Financial Services Authority (OJK) are working to reduce MSMEs’ involvement with illegal online loans. This research aims to examine the factors that drive MSMEs to use illegal loans, focusing on how trust in online loans and the intention to use them mediate this behaviour. Additionally, education level and frequency of social media use are examined as moderating factors. The study surveyed 330 MSMEs and analysed the data using structural equation modelling. The findings indicate that subjective norms significantly increase trust in illegal loans but do not significantly impact the intention to use them. Perceived behavioural control influences both trust and the intention to use illicit loans. Interest rates also have a significant positive effect on both trust and intention. Social influence increases trust but decreases the intention to use illegal loans. Lastly, the intention to use illicit loans strongly predicts actual behaviour, with education level reinforcing this link, while frequent social media use weakens it.
ANALISIS REAKSI INVESTOR SAHAM PERUSAHAAN RITEL TERHADAP RAMADHAN EFFECT DI BURSA EFEK INDONESIA Wisand, Sultan Risaldi; Fadah, Isti; Farida, Lilik; Awwaliyah, Intan Nurul; Utami, Elok Sri
VALUE: Journal of Business Studies Vol. 4 No. 1 (2025): VALUE : Journal of Business Studies
Publisher : Study Program of Management Faculty of Economics and Business University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/value.v4i1.53697

Abstract

Penelitian ini bertujuan untuk mengkaji dan menganalisis reaksi investor di pasar modal pada bulan Ramadan 2024 dengan fokus pada abnormal return saham perusahaan ritel yang tercatat di Bursa Efek Indonesia. Penelitian ini menggunakan metode event study dengan menganalisis return sebelum dan sesudah Ramadan, dengan menggunakan uji normalitas Shapiro-Wilk, dimana tingkat signifikansi di atas 5% menunjukkan data berdistribusi normal, dan di bawah 5% menunjukkan data berdistribusi tidak normal. Pengujian hipotesis dilakukan dengan menggunakan Paired Sample T-Test untuk data berdistribusi normal dan Wilcoxon Signed Rank Test untuk data berdistribusi tidak normal. Alat analisis yang digunakan antara lain Microsoft Excel 365 dan SPSS v29. Hasil penelitian menunjukkan tidak ada perbedaan signifikan abnormal return sebelum Ramadan (Sya'ban) dan sesudah Ramadan (Syawal), yang ditunjukkan dengan nilai signifikansi di atas 5% pada kedua uji hipotesis.
Strengthening the Performance of Micro, Small, and Medium Enterprises (MSMEs) Through Social Media Adoption with Human Resource Competency as Moderation and Implementation of The Penta Helix Model in Facing New Normal Challenges in Jember Regency: (Model Penguatan Kinerja UMKM Melalui Adopsi Media Sosial dengan Kompetensi SDM sebagai Moderasi serta Implementasi Penta Helix dalam Menghadapi Tantang New Normal di Kabupaten Jember) Mawardi, Ahmad Ahsin Kusuma; Farida, Lilik; Nusbantoro, Ariwan Joko; Utami, Elok Sri; Endhiarto, Tatok; Apriliana, Tria
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 11 No. 1 (2024): e-JEBA Volume 11 Number1 Year 2024
Publisher : UPT Penerbitan Universitas Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/ejeba.v11i1.44396

Abstract

The Covid-19 pandemic has had a negative impact on MSMEs, and has encouraged MSMEs to be more creative in trying to maintain and develop their business during the pandemic, especially through the adoption of social media for marketing activities. However, the competence of HR in MSMEs is still an obstacle to the process of adopting social media. The aims of this study were (1) to analyze the role of HR competence in moderating social media adoption on MSME performance, and (2) to analyze the implementation of the pentahelix model in strengthening MSME performance through the role of social media adoption and HR competence in facing the new normal challenges in Jember Regency. The research method used is mixed method research, which combines both quantitative and qualitative research approaches. The sample of this research is 100 SMEs. Quantitative data analysis was carried out using the PLS SEM technique. Qualitative data analysis was carried out with FGDs with stakeholders such as the government represented by the Jember District Office of Cooperatives and MSMEs, the media, the MSME community, academics, and business people. The results of the verification analysis using the SEM analysis technique show that technology has a significant effect on the performance of MSMEs in Jember Regency. Meanwhile, organizational, and environmental variables did not have a significant effect on the performance of MSMEs in Jember Regency. HR competence has a significant effect on the performance of MSMEs in Jember Regency. HR competence does not moderate the effect of technology on the performance of MSMEs in Jember Regency. HR competence does not moderate organizational influence on MSME performance in Jember Regency. HR competence does not moderate the influence of the environment on the performance of MSMEs in Jember Regency. To strengthen the performance of MSMEs through the adoption of social media, all stakeholders have an important role, where the government becomes a facilitator in conducting training and mentoring. With the involvement of academics to conduct research so that market segmentation is more appropriate for marketing through social media. Then businesspeople who have been involved in digital marketing play a role in transferring knowledge, and the role of the media is to strengthen marketing carried out by MSMEs through social media.
The Influence of Leadership, Motivation, and Communication On Employee Performance Agustina, Mufaalatul; Setyanti, Sri Wahyu Lelly Hana; Farida, Lilik; Titisari, Purnamie
Formosa Journal of Applied Sciences Vol. 3 No. 6 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v3i6.9120

Abstract

This study aims to see the influence of leadership, motivation, and communication that employees have on the performance of CV employees. Mitra Dunia Palletindo. This research is included in the category of explanatory research because it aims to explain the causal relationship (cause-effect) between variables by testing the hypotheses that have been formulated. The sampling technique used in this study is saturated sampling or census, namely the determination of the sample when all members of the population are used as samples. So the total sample is 50 employees. The type of data used in this research is quantitative qualitative data. Quantitative data is data in the form of numbers or numbers obtained from scores of respondents' answers.  
The Influence of Charismatic Leadership, Recruitment and Organizational Culture on the Performance of Islamic Boarding School Employees Nurul Jadid Paiton Agustin, Lisa; Setyanti, Sri Wahyu Lelly Hana; Farida, Lilik; Titisari, Purnamie
Formosa Journal of Applied Sciences Vol. 3 No. 6 (2024): June 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v3i6.9121

Abstract

Pondok Pesantren Nurul Jadid is one of the organizations engaged in general education and Islamic education. The aim of the organization is to provide general and Islamic education to students. This study aims to determine and analyze the influence of charismatic leadership, recruitment, and organizational culture on the performance of the employees of the Pondok Pesantren Nurul Jadid Paiton. The data analysis method used is multiple linear regression analysis. The results showed that charismatic leadership, recruitment, and organizational culture had a positive and significant impact on the performance of the employees of the Pondok Pesantrem Nurul Jadid Paiton. Based on the results of the study, it can be concluded that charismatic leadership, recruitment, and organizational culture can affect the performance of the employees of Pondok Pesantren Nurul Jadid Paiton.
Co-Authors Achmad Zamroni Hazim Agus Priyono Agustin, Lisa Agustina, Mufaalatul Ahmad Ahsin Kusuma Mawardi Ahsin Kusuma Mawardi, Ahmad Ahsin, Ahmad Aisa Tri Agustini Almas Farah Dinna Dewi Amalia Nurfarida Annisafitri Shafarini Ariwan Joko Nusbandono Ariwan Joko Nusbandono Ariwan Joko Nusbantoro Ashary, Lukman Aulia, Tazqia Berlian Dea Permatasari Bunga Maharani Chairul Saleh Chairul Saleh Dania Sofianti Deasy Wulandari Dinna Dewi, Almas Farah Dwi Rafita Mukti Eka Bambang Gusminto Ekawindy, Mareta Putri Elok Sri Utami Fitriani, Andini Nisya Gusni Gusni Husnan, Abdul Imam Suroso Indah Purnamawati Intan Nurul Awwaliyah Isti Fadah Iwanda, Risqi Akbar Jouhar Fayahaqi Ketut Indraningrat Mardiana, Hanun Ria Markus Apriono Marmono Singgih Muhajir, Mohammad Iqbal N. Ari Subagio Nadia Azalia Putri Novi Puspitasari Nur Hasanah Nur Hasanah Nyoman Gede Krishnabudi Prasanti, Novi Purnamie Titisari Putri, Erina Minanda Ririn Irmadariyani Septarina Prita Setyanti, Sri Wahyu Lelly Hana Sianipar, Charlotte Aulia Putri Siti Ulviatul Arofah Sri Wahyu Lelly Hana Setyanti Sudarsih Sudarsih Sumani Sumani Sundari, Sri Susanti Prasetiyaningtiyas Tatang Ary Gumanti Tatok Endhiarto Tria Apriliana Tria Apriliana Tria Apriliana, Tria Wisand, Sultan Risaldi Yosefa Sayekti