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The Digital Wallet Revolution: An Empirical Analysis of Its Effects on Mental Accounting and Financial Practices Suseno, Novie Susanti; Aulawi, Hilmi
Khazanah Sosial Vol. 6 No. 2 (2024): Khazanah Sosial
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ks.v6i2.35392

Abstract

In the current digital era, digital wallets have become an important innovation. This can certainly change the way individuals manage finances. This research aims to examine the influence of using digital wallets on mental accounting and its impact on financial behavior. A quantitative approach using the SEM method was used in this research to obtain more measurable, structured, and objective results. The data collection technique is through distributing questionnaires. Respondents in this research are the millennial generation born in 1981-1996 who have used digital wallets in West Java. The selection of West Java as a research location was based on the significant increase in the use of digital wallets in this area, which is affecting various aspects of daily life. The total sample was 300 respondents using the cluster sampling technique. The analytical method used is Structural Equation Modeling (SEM). The research results show that digital wallets influence mental accounting, and mental accounting influences financial behavior. Apart from that, the implications of the research results show that digital wallet users must take advantage of existing features to improve financial management, achieve financial goals, and reduce stress. Furthermore, service providers need to continue to innovate with features such as detailed financial reports, budget reminders, and spending analysis, as well as educate users so they can use these features optimally to increase satisfaction and loyalty.
Readability of Reading Texts as Authentic Materials Issued by ChatGPT: A Systemic Functional Perspective Ramadhani, Reski; Aulawi, Hilmi; Ulfa, Risma Liyana
IJELTAL (Indonesian Journal of English Language Teaching and Applied Linguistics) Vol 8, No 2 (2023): Indonesian Journal of English Language Teaching and Applied Linguistics
Publisher : Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/ijeltal.v8i2.1546

Abstract

Selecting the appropriate texts as the authentic material for English teaching, particularly at the university level, matched with students’ mastery level is still challenging. This study attempts to investigate the readability level of reading texts through the framework of Systemic Functional Linguistics (SFL) issued by ChatGPT, focused on whether the complexity level of the texts matches the standard level of the Common European Framework of Reference (CEFR) by proposed British Council. Through the qualitative design with content analysis, this study examines eighteen texts classified following CEFR levels issued by ChatGPT. It analyzes their lexical density, grammatical intricacy, and lexical variation to know the complexity of the texts. The analysis revealed that the complexity level of the texts issued by ChatGPT has not thoroughly followed the standard level of the texts used by the British Council on the CEFR level, indicating that several texts are inappropriate with their complexity levels. It is found that the complexity level of the texts issued by ChatGPT is determined by the length of the texts that increase from the basic level to the proficient level seen from the number of words in each text, not by their lexical density, grammatical intricacy, and lexical variation indexes. The study provides implications for the lecturer to carefully select the text used as teaching material issued by ChatGPT by relying on the lexico-grammatical analysis of the text to help students achieve the comprehension stage.
The Influence of Brand Awareness, Perceived Quality, Promotion, and Trust on Men’s Skincare Purchase Intention Rospita S, R Tita; Aulawi, Hilmi; Suseno, Novie Susanti
Jurnal Inovasi Bisnis dan Kewirausahaan Vol 7 No 4 (2025): Business Innovation and Entrepreneurship Journal (November)
Publisher : Entrepreneurship Faculty, Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35899/biej.v7i4.1133

Abstract

This study investigates the influence of Brand Awareness, Perceived Quality, Promotion, and Customer Trust on Men’s Skincare Purchase Intention in Garut Regency. The research employed a quantitative approach with a cross-sectional survey of 146 male respondents aged 18–45 years, selected through purposive sampling. Data were collected using a Likert-scale questionnaire and analyzed with Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that all four independent variables significantly affect Purchase Intention, both simultaneously and partially. Brand Awareness strengthens recognition and reduces perceived risk, Perceived Quality reflects consumer judgments of product effectiveness and safety, Promotion through digital media enhances exposure and interest, while Customer Trust emerges as a decisive factor in purchase decisions and loyalty. These findings conclude that the four factors are essential in shaping effective marketing strategies for men’s skincare products, especially in local markets with distinct consumer characteristics.
Pengukuran Kinerja Sumber Daya Manusia Dengan Pendekatan Human Resources Scorecard dan Analytical Hierarchy Process : Studi Kasus di PT. XYZ Dahman, Muhamad; Aulawi, Hilmi
Jurnal Kalibrasi Vol 23 No 2 (2025): Jurnal Kalibrasi
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/kalibrasi/v.23-2.1935

Abstract

PT. XYZ is a bakery and pastry company established in 2007. The main problem arises in the production process, where the target number of workers in the marchies division is 104, but only 97 are available. Efforts to reassign personnel from the bagelen team have still not met the target. In addition, employee absenteeism remains an obstacle. To date, the company has never conducted a comprehensive measurement of employee performance. This study aims to measure employee performance comprehensively and improve underperforming indicators using the Human Resource Scorecard (HRSC) and Analytical Hierarchy Process (AHP) methods. The results identified 10 Key Performance Indicators (KPIs): 2 from the financial perspective, 3 from the customer perspective, 3 from internal business processes, and 2 from growth and learning. Based on the AHP results, the customer perspective emerged as the top priority, with the turnover rate as its main indicator. Turnover is in the red category, requiring urgent improvement, while employee absenteeism is in the yellow category, which also needs corrective action. The recommended strategy to reduce turnover is the implementation of a comprehensive onboarding program to help new employees quickly adapt to the company’s culture and work system. Additionally, workload should be evaluated every six months, and the work culture should be strengthened through regular workshops and team-building activities. To address absenteeism, the company can introduce attendance-based incentive programs, analyze the reasons behind absences, improve workplace facilities, and reinforce the attendance policy with clear sanctions and proper leave management.
Perancangan Strategi Digital Marketing Pada Umkm Pabrik Cuanki Garut Nursa'diah, Rifania Sapta; Aulawi, Hilmi; Kurniawati, Rina
Jurnal Kalibrasi Vol 23 No 2 (2025): Jurnal Kalibrasi
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/kalibrasi/v.23-2.2061

Abstract

The purpose of this study is to design a corporate strategy that can be developed at the Garut Cuanki Factory MSME based on the SOSTAC Model approach and to determine the digital marketing model to be implemented by the Garut Cuanki Factory MSME as described in the SOSTAC Model based on the results of a SWOT analysis of digital marketing strategies. This study uses a qualitative-descriptive method with a case study approach and utilizes the SOSTAC and SWOT analysis methods. The results of the study show that social media is an important channel for the Garut Cuanki Factory to market its products. This can be seen on the Instagram and TikTok platforms. Therefore, the Garut Cuanki Factory needs to regularly update content on each of these social media platforms. In conclusion, by using the right marketing strategy, Garut Cuanki Factory needs to optimize social media to market its products. Thus, the digital marketing strategy using the SOSTAC model at Garut Cuanki Factory SME has been implemented and will continue to be monitored.
Model Bisnis Strategi Umkm Surpet Collection Berbasis Business Model Canvas dan Analisis SWOT Aulawi, Hilmi; Kurniawati, Rina; Ruari, Elgi Muhamad
Jurnal Kalibrasi Vol 23 No 2 (2025): Jurnal Kalibrasi
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/kalibrasi/v.23-2.2068

Abstract

Penelitian ini bertujuan untuk mengetahui Gambaran model bisnis UMKM Surpet Collection dengan menggunakan metode Analisis SWOT dan Business Model Canvas (BMC). Serta mengetahui strategi Perusahaan dengan analisis swot dan BMC yang dapat di kembangkan berdasarkan hasil BMC  kemudian merancang model bisnis yang akan di lakukan UMKM surpet collection yang di gambarkan pada BMC future pendekatan yaitu kualitatif deskriptif dengan Teknik analisis swot dan business model canvas Adapun tiga responden yang memiliki peran penting bagi UMKM surpet collection hasil pada penelitian ini merupakan perbaikan pada pemetaan business model canvas masa kini yang memiliki yang meliputi Sembilan elemen yaitu customer segment, value proposition, customer relationship, channel, revenue stream, key partnership, key activity, key resource, cost structure, dan hasil dari analisis swot mengenai perancangan strategi pengembangan bisnis dari business model canvas. Hasil dari analisis swot memberikan Gambaran kondisi Perusahaan berada pada kuadran III (WO). Strategi yang di dapat dari matriks SWOT (WO).  
Perancangan Standar Operasional Prosedur (SOP) Pembelajaran MBKM Berbasis Analisis SERVQUAL dan QFD Aulawi, Hilmi; Sukonoya, Muhammad Fajar
Jurnal Kalibrasi Vol 23 No 2 (2025): Jurnal Kalibrasi
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/kalibrasi/v.23-2.2211

Abstract

The implementation of the Merdeka Belajar-Kampus Merdeka (MBKM) program faces operational challenges that have resulted in a teaching material achievement rate of only 93.4 percent, which is below the institutional target. This study aims to design Standard Operating Procedures (SOPs) to improve the quality of MBKM learning services through the integration of the SERVQUAL and QFD methods. Primary data were collected through questionnaires from 90 students and 10 lecturers. The SERVQUAL analysis results showed a negative gap in all service attributes, indicating that perceptions did not meet expectations, with one of the largest gaps found in the aspect of lecturer competency assurance (-0.70). Importance-Performance Analysis (IPA) identified responsiveness as the top priority for improvement. Based on this priority, this study produced a validated SOP design for students and lecturers. This SOP is expected to serve as an operational guideline for standardizing and continuously improving the quality of MBKM learning services.
Peran Knowledge Management Terhadap Sustainable Competitive Advantage Melalui Dynamic Capabilities Pada Perguruan Tinggi Swasta di Garut Fikar Raysona, Mochamad; Aulawi, Hilmi; Aisyah, Risa
Jurnal Kalibrasi Vol 23 No 2 (2025): Jurnal Kalibrasi
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/kalibrasi/v.23-2.2576

Abstract

This study aims to analyze the role of knowledge management in achieving sustainable competitive advantage at Private Universities (PTS) in Garut, by examining both its direct and indirect effects through dynamic capabilities as a mediating variable. The main issues in this context are the weak implementation of systematic knowledge management practices, the lack of a collective knowledge-sharing culture, and the suboptimal integration of information technology to support knowledge transfer and application in the academic environment. The research employs a quantitative approach by distributing questionnaires to 151 permanent lecturers as respondents. Data processing was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the SmartPLS 4.0 application. The results indicate that knowledge management has a direct and significant influence on sustainable competitive advantage. However, this influence becomes stronger when mediated by dynamic capabilities, which consist of the institution’s abilities in sensing, seizing, and transforming organizational resources. The path coefficient values for the indirect effect through dynamic capabilities are also significant, underscoring the importance of integrating knowledge management systems with dynamic capabilities to strengthen institutional competitiveness. Furthermore, model testing shows that the structural model used demonstrates high explanatory and predictive power, with R-square and Q-square values categorized as very good. The study concludes that strategies to enhance the competitiveness of private universities should be directed toward strengthening a knowledge-based strategy that emphasizes organizational learning, innovation, and adaptive institutional capabilities. These findings provide both theoretical and practical contributions for higher education management in designing sustainable, knowledge-based strategies.
Perancangan Strategi Digital Marketing Untuk Meningkatkan Minat Beli Konsumen Pada Produk Tas Kulit : Studi Kasus : PT. Jayuwan Garut Saepul Jamil, Alwis; Aulawi, Hilmi; Kurniawati, Rina
Jurnal Kalibrasi Vol 23 No 2 (2025): Jurnal Kalibrasi
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/kalibrasi/v.23-2.2581

Abstract

This study aims to design a digital marketing strategy to increase consumer purchase intention for leather bags produced by PT Jayuwan Garut. The Voice of Customer (VoC) approach was applied to explore consumer needs and preferences, which were then translated into technical attributes using the Quality Function Deployment (QFD) method. Thus, the strategies developed are consumer-driven and more targeted. The analysis revealed three main consumer concerns in digital marketing. First, the quality of promotional content with visually appealing elements, such as professional photos and graphic design, plays a crucial role in creating a strong first impression. Second, the ease of finding products through online search is vital, as easily accessible information significantly increases the likelihood of purchase. Third, responsive interaction on social media—such as answering inquiries quickly and politely—helps foster consumer trust and loyalty. Based on these findings, three key strategies are recommended. First, enhancing the quality of promotional content with high-resolution product photos, creative designs, and engaging videos. Second, conducting regular promotions through digital advertisements across platforms (Google Ads, Meta Ads) to expand market reach. Third, applying persuasive techniques through storytelling and influencer marketing so that promotional messages are not only informative but also emotionally engaging. Overall, this strategy is expected to strengthen brand awareness, increase engagement, and drive sales conversion. The study also provides practical contributions for PT Jayuwan Garut in understanding digital consumer behavior and formulating adaptive marketing policies. Beyond the company, the findings can serve as a reference for other MSMEs seeking to leverage digital marketing to enhance competitiveness in the era of Industry 4.0.
Strategi Pemasaran Produk Dompet D’vat Jaya dengan Pendekatan STP dan Ansoff Matrix Andriani, Rani; Aulawi, Hilmi; Andriyas Kurniawan, Wahyu
Jurnal Kalibrasi Vol 23 No 2 (2025): Jurnal Kalibrasi
Publisher : Institut Teknologi Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33364/kalibrasi/v.23-2.2736

Abstract

The increasingly competitive business environment, particularly in the fashion and accessories industry, requires MSMEs such as D’vat Jaya to design effective and adaptive marketing strategies in order to survive and grow. This study aims to formulate marketing strategies for D’vat Jaya using STP (Segmentation, Targeting, Positioning) analysis and the Ansoff Matrix to enhance its competitiveness in the market. The research employs a descriptive qualitative method with the STP and Ansoff Matrix approaches. Data were collected through in-depth interviews, field observations, and focus group discussions involving the owner, employees, and consumers. The analysis results indicate the need to narrow the market segmentation to students and young working adults, and to implement growth strategies through market penetration using social media and online marketplaces, market development in potential regions such as Bali and Kalimantan, product innovation including new designs and waterproof wallets, and product diversification with complementary items such as pouches and keychains. The integration of STP and the Ansoff Matrix produced a three-stage strategic plan: short-term (0–12 months) focusing on brand strengthening and digital promotion, medium-term (1–3 years) emphasizing product innovation and varied promotional efforts, and long-term (3–5 years) targeting product diversification and market expansion. The implementation of these strategies is expected to enhance brand awareness, expand market reach, and foster sustainable growth for D’vat Jaya.
Co-Authors Abdu Syobir Abdusy Syakur Amin Ade Sutedi Agi Ferdiansyah Sunarya Ahmad Dzulfikar, Bilal Aisyah, Risa Al Faujan, Septian Kiki Al Fisimar, Farhan Alpin Nurzaman Andri Ikhwana Andriyas Kurniawan, Wahyu Angga Syaeful Azhar Anjas Ninda Hantari Ariyan Hendriatama Putra Saridi Asri Mulyani Aulia Malik Ayu Latifah Bajuri, Ahmad Balilo Jr, Benedicto B. Dahman, Muhamad Dede Kurniadi Deni Sahroni DEWI RAHMAWATI Dewi Rahmawati Dian Kusma Noria Dini Destiani Siti Fatimah Dini Riska Anggraeni Eko Walujodjati Faujani, Zidan Ahmad Fikar Raysona, Mochamad Firmansyah, Ara Fitrin Rawati Suganda Gilang Nur Akbar Hamdani, Nizar Alam Hatta Jayawardhana Holisoh, Iis Iman Sudirman Imat Sutarman Iqbal Try Maulana Kadarsah Suryadi Kustian Arisandi Fajar Latif, A. Abdul Misbah Syahbudin, Muhammad Khoirul Muhamad Faisal Muhammad Syauqi Mubarok, Muhammad Syauqi Nabhani, Irfan Neng Rita Nurjanah Nurhaliza, Nabila Putri Nursa'diah, Rifania Sapta Oktavia, Rahmi Zachra Rahmi, Murni Lestari Rajesri Govindaraju Ramadhani, Reski Rani Andriani, Rani Reski Ramadhani Revy Ardiansyah Ridwan Jauhari Ridwan Setiawan Ridwan Setiawan Ridwan Setiawan Rina Kurniawati Rina Kurniawati Rinda Cahyana Rinrin Rubianti Risa Aisyah Robiyatul Adawiyah Isni Putri Rospita S, R Tita Ruari, Elgi Muhamad Rustandi Rustandi, Rustandi Sabila Rismawati Saepul Jamil, Alwis Santoso, Bambang Tri Sheila Nur Sheilawati Sopian Sopian Sri Rahayu Sukonoya, Muhammad Fajar Sunarya, Agi Ferdiansyah Suseno, Novie Susanti Taofik Slamet Taptajani, Dedi Sa'dudin Ulfa, Risma Liyana Vizay Vicky Pratama Wahyu Andreas Kurniawan Wahyu Andriyas Kurniawan Yadi Ahmad Fauzi Yanti Yogi Permana Yogi Teguh Herdiansyah Yusep Senjani