Claim Missing Document
Check
Articles

Analisis Kendala Pengambilan Keputusan Pada Umkm Kue Semprong Kerucut Amoundy: An Analysis of Decision-Making Constraints in the Amoundy Cone Semprong Cake MSME Hana Caskia; Intan Nurbaningrum; Nayla Shoffiya Nuraini; Salsa Nabila; Ujang Suherman
Jurnal Kolaboratif Sains Vol. 9 No. 1: Januari 2026
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v9i1.9869

Abstract

UMKM atau Usaha Mikro mempunyai peran yang strategis di perekonomian Indonesia karena menyumbang sekitar 60-61% pada Produk Domestik Bruto (PDB). Meskipun demikian, UMKM masih dihadapkan pada sejumlah permasalahan, seperti keterbatasan permodalan, rendahnya pemanfaatan teknologi, serta lemahnya kemampuan manajerial yang berdampak pada menurunnya daya saing usaha. Penelitian ini berfokus pada UMKM Kue Semprong Kerucut Amoundy yang berlokasi di Karawang, dengan tujuan menganalisis kendala pengambilan keputusan dalam aspek modal, sumber daya manusia, bahan baku hingga strategi pemasaran. Penelitian menggunakan pendekatan kualitatif dengan teknik pengumpulan data melalui wawancara dan observasi. Hasil penelitian menunjukkan bahwa meskipun usaha berada dalam kondisi yang relatif stabil, masih terdapat permasalahan internal, khususnya terkait disiplin kerja karyawan dan pengelolaan keuangan yang belum optimal. Oleh karena itu, penelitian ini merekomendasikan peningkatan kapasitas produksi, perbaikan manajemen sumber daya manusia, serta penguatan strategi pemasaran guna memperluas jangkauan pasar. Penelitian ini diharapkan dapat menjadi landasan ilmiah bagi pengembangan UMKM serta menjadi rujukan bagi penelitian selanjutnya.
Analisis Pengambilan Keputusan dalam Kendala di UMKM Pabrik Tahu Sumedang Alya Karawang Karlina Putri; Tri Wahyuningsih; Siti Arpah; Puput Purnama Sari; Ujang Suherman
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/vctgzk91

Abstract

UMKM memiliki peran krusial bagi ekonomi, namun sering kali terhambat oleh proses pengambilan keputusan yang masih tradisional. Penelitian ini bertujuan untuk membedah bagaimana proses pengambilan keputusan dilakukan di Pabrik Tahu Sumedang Alya, Karawang, dalam menghadapi berbagai kendala operasional. Menggunakan metode kualitatif dengan pendekatan explanatory survey, penelitian ini menggali data melalui wawancara mendalam, observasi langsung, dan dokumentasi pada Desember 2025. Hasil studi menunjukkan bahwa pemilik usaha cenderung menggunakan gaya pengambilan keputusan yang intuitif dan konservatif, terutama karena keterbatasan akses informasi dan modal. Kendala utama ditemukan pada empat aspek: pengelolaan SDM yang masih bersifat kekeluargaan sehingga kurang disiplin, manajemen modal yang belum terpisah dari keuangan pribadi, ketergantungan tinggi pada harga bahan baku kedelai, serta strategi pemasaran yang masih konvensional (mulut ke mulut). Penelitian ini menyimpulkan bahwa meskipun keputusan intuitif mampu menjaga bisnis tetap bertahan, diperlukan transisi menuju gaya pengambilan keputusan berbasis data dan digitalisasi. Rekomendasi utama mencakup perbaikan pencatatan keuangan, penguatan relasi pemasok, dan pemanfaatan pemasaran digital untuk memastikan keberlanjutan usaha di tengah persaingan pasar modern.
ANALISIS PENGAMBILAN KEPUTUSAN DALAM KENDALA UMKM RULI COFFEE Putri, Hajjar Mei Wila; Intan Sari Rachmawati; Karli Ramdani; Zanuba Firda Farihah; Ujang Suherman
Journal of Golden Generation Economic Vol. 1 No. 2 (2025): Desember 2025 : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v1i2.224

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) sering menghadapi berbagai kendala operasional, salah satunya adalah rendahnya tingkat kunjungan pelanggan yang berdampak pada penurunan penjualan. Penelitian ini bertujuan untuk menganalisis pengambilan keputusan pelaku UMKM dalam menghadapi kondisi usaha yang kurang ramai. Studi ini dilakukan pada Ruli Coffee Artisan, sebuah usaha kedai kopi yang mengalami penurunan jumlah pelanggan pada periode observasi. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui observasi lapangan, wawancara dengan pemilik usaha, dan dokumentasi kegiatan kunjungan industri. Hasil penelitian menunjukkan bahwa kondisi usaha yang kurang ramai memengaruhi pengambilan keputusan dalam pengelolaan produksi, tenaga kerja, modal, bahan baku, dan pemasaran. Keputusan yang diambil bersifat adaptif dan berorientasi pada efisiensi sumber daya untuk menjaga keberlangsungan usaha. Temuan penelitian ini menunjukkan bahwa meskipun pengambilan keputusan dilakukan secara sederhana dan berbasis pengalaman, strategi tersebut cukup efektif dalam membantu UMKM bertahan di tengah keterbatasan permintaan pasar.
ANALISIS PENGAMBILAN KEPUTUSAN DALAM KENDALA OPERASIONAL UMKM SAUNG GOKAR (GOYANG KARAWANG) Indriani, Iin; Putri Megasari Limbong; Sri Putri Anovia; Hanny Aurora Athalie; Ujang Suherman
Journal of Golden Generation Economic Vol. 1 No. 2 (2025): Desember 2025 : Journal of Golden Generation Economic
Publisher : PT. Lembaga Penerbit Penelitian Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65244/jggeconomic.v1i2.245

Abstract

Saung Gokar merupakan usaha mikro sektor kuliner di Karawang yang menghadapi berbagai kendala operasional, meliputi keterbatasan tenaga kerja, penyesuaian modal, pengelolaan bahan baku, dan strategi pemasaran. Penelitian ini bertujuan menganalisis proses pengambilan keputusan pemilik dalam menghadapi kendala tersebut serta implikasinya terhadap keberlanjutan usaha. Penelitian menggunakan pendekatan kualitatif melalui wawancara, observasi, dan dokumentasi dengan analisis tematik. Hasil penelitian menunjukkan bahwa pengambilan keputusan dilakukan secara adaptif dan responsif berdasarkan pengalaman pemilik dan kondisi operasional harian. Keputusan tersebut berperan dalam menjaga stabilitas usaha, meskipun masih diperlukan penguatan pemasaran digital dan pencatatan keuangan. Penelitian ini diharapkan memberikan kontribusi praktis bagi UMKM kuliner dalam mengoptimalkan pengambilan keputusan guna meningkatkan keberlanjutan usaha.
Pengaruh Lingkungan Sosial dan Pengendalian Diri Terhadap Perilaku Keuangan: Studi Kasus Mahasiswa Manajemen UBP Karawang Angkatan 2021 Iis Rahayu; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.7726

Abstract

This study aims to analyze the influence of social environment and self-control on the financial behavior of students in the Management Study Program at Universitas Buana Perjuangan Karawang, Class of 2021. This research uses a descriptive quantitative approach. The population in this study consists of 412 students, with a sample size of 80 students selected using simple random sampling technique. Data was collected through an online questionnaire and analyzed using validity tests, reliability tests, classical assumption tests, and regression analysis.The results of the study show that the social environment significantly influences students' financial behavior. A positive social environment, such as support from family, peers, and the educational environment, shapes better financial habits. Students who are accustomed to being in an environment that provides examples of wise financial management tend to imitate these patterns in their daily lives. Additionally, self-control was also found to have a significant impact on students' financial behavior. Students with a high level of self-control are able to resist the urge to make impulsive purchases, manage their spending more systematically, and remain consistent in achieving long-term financial goals.Simultaneously, both of these variables contribute to students' financial behavior, with an R Square value of 0.679. This means that 67.9% of the variability in financial behavior can be explained by the social environment and self-control, while the remaining variance is influenced by factors outside the scope of this research model.
Pengaruh Literasi Keuangan, Gaya Hidup dan Financial Technology Terhadap Perilaku Keuangan pada Mahasiswa Universitas Buana Perjuangan Karawang Pebi Pebrianti; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7747

Abstract

The purpose of this study was to analyze the influence of financial literacy, lifestyle, and financial technology on financial behavior in students of Universitas Buana Perjuangan Karawang. The method used is quantitative research with a descriptive verification approach, involving 100 students of Universitas Buaan Perjuangan Karawang as a sample taken through purposive sampling techniques. Data were collected through online questionnaires and multiple linear regression analysis. The results of the study indicate that financial literacy and financial technology have a positive and significant effect on financial behavior, while lifestyle has no effect on financial behavior. The results of financial literacy, lifestyle, and financial technology simultaneously have an effect on financial behavior with a determination coefficient showing 40.6% of the variation in financial behavior is influenced by the three independent variables. This study concludes that improving good financial behavior is from the level of understanding of financial literacy and the proper use of financial technology. This study implies that students can be wiser in managing finances, planning expenses, and avoiding excessive lifestyles, as well as expanding knowledge about investment to achieve higher financial literacy and good financial behavior.
Pengaruh Uang Saku dan Prilaku Hedonisme Terhadap Risiko Utang Dikalangan Mahasiswa Manajemen 2021 Universitas Buana Perjuangan Karawang Elsa Laila Listiawati; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7766

Abstract

This study aims to analyze the influence of pocket money and hedonistic behavior on debt risk among students of the Management Study Program, Universitas Buana Perjuangan Karawang, class of 2021. The method used in this study is quantitative with a quantitative descriptive. The population in this study amounted to 412 students, with a sample of 80 students selected using the simple random sampling method. Data were collected through online questionnaires and analyzed using descriptive statistics, classical assumption tests, and hypothesis tests. The results of the study show that the pocket money variable does not have a significant effect on debt risk. This indicates that the amount of pocket money students receive, both large and small, does not directly affect their decision to go into debt, because it is more influenced by how students manage their money. Conversely, hedonistic behavior has a significant influence on student debt risk, encouraging students to consume excessively for personal pleasure without considering financial ability, thereby increasing the tendency to go into debt as a way to fulfill this lifestyle. Thus, hedonistic behavior has a dominant role in increasing debt risk among students, especially when it is not accompanied by wise financial management. The R-Square value of 0.511 indicates that 51.1% of the variability of debt risk can be explained by two independent variables, namely pocket money and hedonistic behavior, while the rest is influenced by other factors outside the study model
Pengaruh Inklusi Keuangan dan Edukasi Terhadap Keputusan Perilaku Penggunaan QRIS: Studi Kasus Mahasiswa Manajemen UBP Karawang 2021 Tria Melani; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7767

Abstract

This study aims to analyze the influence of financial inclusion and education on behavioral decisions to use the Quick Response Code Indonesian Standard (QRIS) among Management students of Buana Perjuangan University, Karawang, class of 2021. The study used a descriptive quantitative approach with data collection through questionnaires from 80 respondents selected using the simple random sampling method. The analysis was carried out using multiple linear regression. The results of the study showed that financial inclusion had a significant influence on QRIS usage behavior. This indicates that adequate access to financial services and knowledge of financial products increase the decision to use QRIS. Education was also shown to have a significant influence, where students' understanding of digital transaction security and involvement in educational programs encouraged confidence in using QRIS. Simultaneously, both variables contributed 46% to behavioral decisions to use QRIS. The implication of this study is the need for educational institutions and financial service providers to improve digital financial literacy through structured educational programs and expand access to financial services. This step is expected to support the adoption of QRIS and a more inclusive digital transformation of finance
Pengaruh Pengelolaan Keuangan dan Status Perkawinan Terhadap Kesejahteraan Keuangan Keluarga di Desa Karangjaya Ayu Nuradilah; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7768

Abstract

This study aims to analyze the influence of financial management and marital status on family financial well-being in Karangjaya Village, Tirtamulya District, Karawang Regency. This study uses a descriptive quantitative approach with data collection through questionnaires from 79 respondents selected using the simple random sampling method. Data analysis was carried out using multiple linear regression. The results of the study indicate that financial management has a significant influence on family financial well-being, which reflects the importance of budget planning, spending control, and saving and investing habits in improving financial well-being. Marital status also has a significant influence, where relationship stability and cooperation in the household also encourage more rational and planned financial decisions. Simultaneously, both variables contribute 28.8% to the variation in family financial well-being. The implication of this study is the importance of structured financial literacy education and fostering marriage readiness as part of efforts to improve the economic welfare of the community, especially in rural areas.
Pengaruh Kepemilikan Manajerial dan Solvabilitas Bagi Financial Performance pada Perusahaan Industri Dasar dan Kimia Noval Andriyanto; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7872

Abstract

Financial performance ref;ects the company’s ability, which is evident from the financial reports, wihc serve as aguide for decision-making by stakeholders. The purpose pf our study is to provide e,pirecal evidence on how managerial ownershif and company ability to meet is its obligations (solvability) can influencefinancial performance. The sample selection was carried out using purposive sampling,whilethe data analysis employed a multiple regression approach. Our researchfocuses on 14 basic and chemical industry companies listed on the Indonesia Stock Exchenge (BEI) during the period 2020-2024 as the object of study. This Result in the finding that managerial ownership has np effecton financial performance, but solvability has a negative impect on financial performance.
Co-Authors Aam Widiawati ABDULLOH Acep Hidayat Adam Wahyu Satrio Adila Putri Nuraeni ADITYA NUGRAHA Adjeng Surya Rarashaty Adli Dzil Ikram Aida Rahmah Aji Kristianto, Bima Setyo Akmal Khairi Sudrajat Aldi Mulya Pratama Alfiah Nurfadilah Alfin Raka Pradana Alfiyanti Riziq Alifia Rachma Suhandoko Alya Aulia Abdillah Alya Ramadhani Alya Savira Wahyudi Amalia Amalia Amalia Puspitasari Amanda Augustine Amelia Kartika Amir Paisal Amjad Abdul Majid Ananda Maulidya Andini Fathurohmah Anggi Andriani Anggi Aprilia Cahyani Anggi Noviandra Rahmadanty Anggita Larasati Anis Dara Puspita Anisa Nurlaela Sari Anniesa Brianna Annisa Najwa Muktarom Anzenia Rahmawati Aqsa Muhardsyah Arie Firmansyah Asmia Dwi Ainun Astika Hardianti Aswati Aura Nuraini Awaludi Hafif Ayu Juwita Ayu Nuradilah Aziz, Aditya Lukman Azka Nurazizah Berliana Ananda Kutaningtyas Bima Pramana Putra Bintang Try Anastasya Manalu Brilliant Cahyatri Susaningsih Cahya Eko Susilo Cesa Putri Septiningtyas Cherilya Alfara Natasya Cicih Citra Bani Purwaningsih Covery Adi Saputro Dadan Jaelani Daffa Naufal Effendi Darma Karen Yudhsitira Dea Luvina Zahra Deka Putri Lestari Delia Marjania Delia Sri Wahyuni Denanda Alivia Fasha Desi Anggraeni Desniyanti Manik Destiaru Tresna Zafirah Devita Novalia Dexi Triadinda Diah Nurhalizah Diaz Arief Ardiansyah Dicky Sulistiya Harta Wijaya Difasyah Ananta Dimas Dwi Darmawan Dimas Rizki Fadilah Dinah Siti Rubai’ah Adawiyah Diska Meva Wulandari Dita Novia Hidayat Durra Maisuna Hanun Dwi Ayu Rossmiharti Dwi Rahmadia Putri Echa SuryaningTyas Edo Adji Nugroho Eka Ashri Nurhamidah Eka Nuryani Ela Padilah Elizabeth Margareta Wijaya Elsa Laila Listiawati Epi Nopitasari Ery Rosmawati Evitha Soraya Fadillah Siva Azzahra Fahra Nurarsyifah Fajar Siddiq Fanny Rahmayanty Fany Laelasari Faras Laura Kurnia Farid Hasan Almuhamed Farras Luthfiyyah Zahra Fauz Zaidan Hakiki Feby Diniyanti Fitri Komalasari Fitri Noviola Gadis Fidia Martin Gaida Listia Nurayuni Galang Andika Putra Gilang Virgianto M.P Gita Prameshia Wulandari Glenn Sendjaja Gunawan Detia Rahman Habib Wisnu Restuaji Hana Caskia Hana Humaeroh Hanny Aurora Athalie Heri Hermansyah Herlina Damayanti Hibban Difa Laudza Hilman Fadlil Fauzan Iffah Durrotu Sya’bana Iis Rahayu Ilham Mubarok Imas Wulansari Imelda Juniar Citra Ina Ratna Sari Indradewa, Rhian Indriana Rahayu Indriani, Iin Intan Fuji Nabilla Intan Nur Zakiah Intan Nurbaningrum Intan Sari Rachmawati Iqbal Maulana Saputra Isnina Julieta Janah, Siti Sabira Azzahra Jimi, Jimi Jinny Wulandari Julia Nursalsabila Kaisha Aulia Zahra Kaka Mutiul Amri Kaka Rapi Kurnia Karli Ramdani Karlina Putri Kellie Cornelius Khatmia Putri Meilani Khoerul Ambiya Komariah Komariah Levia Marva Lia Nur Andini Lilis Fitriyani Lucky Prayoga Marchellina Marsanda Puspa Ayu Maulina Silvia Hermawati Maya Duwi Yanti Mayla Chairunisa Melani Putri Melani Rambue Basae Melgis Garnita Mirah Sekar Arum Mochamad Gilang Ramadhan Muhaemin, Annisa Fitri Muhamad Andriansyah Muhamad Fakhri Abdul Aziz Muhamad Ihsan Alfawaz Muhamad Raihan Muhamad Syehabudin Muhammad Arrizky Ilham As’ad Muhammad Enrico Zulhaq Muhammad Gading Hermawan Muhammad Ilham Sapurta Muhammad Naufal Rizqi Kusuma Muhammad Rafly Muhammad Syahid Alghifari Muhammad Syahroni MULYADI Nabila Choirotunnisa Nadhira Salsabila Hawari Nadya Nur Aisyah Nadya Wulansari Nafilatul Hikmah Najwa Hanuni Hapi Nanda Aulia Ramadhani Natalya Puspawangi Nurhanifah Nayla Shoffiya Nuraini Nehamia Yuniati Aritonang Nia Hanifah Nisa Diah Harliana Putri Noval Andriyanto Novita Karomah Nur Awalia Rahmah Nurul Fitri Azzahra Nurul Ma’rifah Palahudin Amarullah Taufik Pebi Pebrianti Pebrina Kusuma Dewi Pitri Liawati Pramana Purbayaksa Puput Purnama Sari Purnamasari, Regina Putri Ayu Rukmini Putri Fadilla Putri Finanti Ramadhani Putri Maharani Putri Megasari Limbong Putri, Hajjar Mei Wila Rafi Firmansyah Rafika Leega Septiadi Rahayu Isa Ias Sadila Ramadiaz Perkasa Sulistya Ratih Ramadhani Rayi Pranika Sundamanik Refy Febri Pratama Regina Putri Olivia Regita Putri Alwi Cahayani Renaldi, Aldi Renata Mutiara Putri Rengga Madya Rengga Madya Pranata Rengga Pratama Reyfaldy Jumeston Sitorus Riani Wulandari Ridwan, Adhrian Fdla Rifqi Syarif Rika Kartika Riska Amelia Nirmala Riska Ayu Lestari Rita Septia Rizki Ahmad Fahruzi Rizky Maulana Rumsanah Ryan Chritofer Ryan Eka Triana Sabnabila Khairunisa Salma Aulia Mulyawati Salsa Kanaya Tabita Salsa Nabila Salsabila Ratu Alta Salsabila Sukandar Salvyra Aulia Putri Sarip Maulana Saskia Fatiha Dewanty Satrio Budi Prakoso Sepia Rani Serli Umagapi Setiawan, Firman Shepya Rosta Agustine Shofi Ainun Nisa Siska Nur Agustin Siti Arpah Siti Karlina Dewi Siti Santi Skolastika Amanda Cinta S.H Sri Handiyani Sri Putri Anovia Suci Aisyah Febriyanti Suhamah, Amah Sulistyaningsih Sulistyaningsih Supadi Syaferrany Muji Destantri Syahra Syarafina Syalma Dahlia Effendi Syifa Nanda Maulani Tantri Tri Astuti Tasya Salsabila Teddy Bachtiar Tegar Abdulah Nurwahid Tepi Muhammad Romdoni Tesalonika Habeahan Thomas Nadeak Tia Madiana Tiara Elza Listama Tiara Rahmawati Tio Akhirudin Tarigan Tita Suherni Tria Melani Upi Yuleni Valentino Dwi Herlambang Verawati Via Selfiana Vibra Alto Octafian Daru Vika Fajariyani Vina Lingga Virgita Wildan Firdaus Windi Rahmawati Wulan Dwi Destiani Wulan Juliyanti Yusuf Zulkarnaen Zahira Syifa Nurpatimah Zaira Hanla Diva Zakia Nurahma Zania Nurul Ramadanti Zanuba Firda Farihah Zulfi Nashrullah