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Perencanaan Strategi PT. Nuansa Alam Sakato Dalam Mengelola Wisata Syariah Terpadu Nagari Sariak Sungai Puar Agam Sumatera Barat Arief Budiman; Zulkifli Zulkifli; Derriawan Derriawan
ProBank Vol 6, No 2 (2021)
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/probank.v6i2.1028

Penelitian kualitatif ini bertujuan untuk merumuskan rencana strategi wisata syariah terpadu di desa Sariak Sungai Puar, Sumatera Barat, dan merumuskan peluang usaha wisata syariah terpadu dengan melakukan perhitungan finansial dan ekonomi. Hasil penelitian diharapkan dapat memberikan pedoman perencanaan strategis pariwisata syariah, digunakan untuk menulis penelitian ilmiah. Hasil penelitian adalah merumuskan strategi yang diperoleh yaitu strategi penetrasi pasar dan strategi pengembangan produk. Melalui perhitungan analisis keuangan dan ekonomi, untuk prospek usaha potensial, IRR 41% per tahun, NPV > 1, persentase profitabilitas 24,11%, dan BEP terjadi dalam 2,9 tahun

Building Sustainable Business Excellence Through Knowledge Management, Innovation, Learning Agility, Talented HR, Organizational Culture as Mediator Novilda Asril; Zulkifli Zulkifli; Lies Putriana
JETISH: Journal of Education Technology Information Social Sciences and Health Vol 2, No 2 (2023): September 2023
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jetish.v2i2.498

The purpose of this research is to analyze the effect of knowledge management, learning agility innovation, talented HR on corporate culture, then analyze the influence of knowledge management, innovation, learning agility, talented HR and corporate culture on the company's sustainability business excellence. In this study the approach used is a quantitative approach. This approach relies more on numbers in the form of scores as an analytical framework where the scores are obtained by the survey method. The population in this study were all BoD-1 level employees (equivalent to Entity Directors General Manager), BoD-2 level (Manager equivalent) and BoD-3 level (Assistant Manager equivalent) at PT XYZ with a sample size of 150 respondents whose data was processed using structural equation modelling. The results of this study indicate that knowledge management has no effect on sustainability business excellence, knowledge management has a significant effect on organizational culture, innovation has a significant effect on sustainability business excellence, innovation has a significant effect on organizational culture, learning agility has no effect on sustainability business excellence, learning agility has a significant effect on organizational culture, Talented HR has a significant effect on the sustainability of Business Excellence, Talented HR has a significant effect on Organizational Culture, Organizational Culture has a significant effect on the sustainability of Business Excellence.

Analysis of profitability, leverage and sales growth on stock prices with liquidity as intervening variables in garment and textile companies listed on IDX 2015-2020 Kiki Astrida; Zulkifli Zulkifli; Syamsul Bahri
Financial Management Studies Vol. 2 No. 1 (2022): Financial Management Studies
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkmk.v2i1.90

This study is to see the effect of profitability, leverage and sales growth on stock prices and later mediation by liquidity in textile and garment companies listed on the Indonesia Stock Exchange in 2015-2020. This study uses a quantitative and explanatory approach with a population of all manufacturing companies in the various textile and garment sub-sector industries as many as 21 companies, so that a sample with the number of data observations (N) is 96 observations for each variable (16 companies x 6 years). research period). The type of secondary data with data sources is the company's website and also www.idx.go.id. The data analysis technique is Structural Equation Modeling using PLS software. The research findings show: 1) profitability has a significant effect on liquidity, 2) leverage has a significant effect on liquidity, 3) sales growth has no significant effect on liquidity, 4) profitability has no significant effect on stock prices, 5) leverage has a significant effect on stock prices, 6 ) sales growth has no significant effect on stock prices, 7) liquidity has no significant effect on stock prices, 8) profitability has no significant effect on stock prices through liquidity, 9) leverage has no significant effect on stock prices through liquidity, 10) sales growth has no effect significant effect on stock prices through liquidity.

PENGARUH BIAS TERHADAP PENGAMBILAN KEPUTUSAN INVESTASI DENGAN INVESTASI ETIS SEBAGAI VARIABEL INTERVENNING DI GALERI INVESTASI UNIVERSITAS PANCASILA Fauzan Anggara; Tri Widyastuti; Zulkifli Zulkifli
JEBI | Jurnal Ekonomi Bisnis Indonesia Vol. 18 No. 1 (2023): Jurnal Ekonomi Bisnis Indonesia
Publisher : Sekolah Tinggi Ilmu Ekonomi Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstrak: Penelitian ini bertujuan mengetahui pengaruh literasi keuangan, gaya hidup dan uang elektronik terhadap perilaku konsumtif (studi kasus smk jakarta 1) baik secara parsial maupun simultan. Penelitian ini menggunakan pendekatan kuantitatif. Sampel dalam penelitian ini adalah 100 Siswa/Siswi di Sekolah SMK Jakarta 1 dengan menggunakan metode non probability sampling serta simple random sampling. Instrument penelitian ini menggunakan kuesioner dan dianalisis menggunakan analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa (1) literasi keuangan berpengaruh positif dan signifikan terhadap perilaku konsumtif (2) gaya hidup berpengaruh positif dan signifikan terhadap perilaku konsumtif (3) uang Pelaku pasar modal memiliki pengaruh dalam penggerakan dana investor dan perusahaan. Pelaku pasar modal biasa dapat didorong psikologi kognitifnya yang seringkali berperilaku berlebihan dalam menyikapi suatu berita. Investor dapat bereaksi secara berlebihan saat memperoleh berita yang tidak terduga, yang dapat mempengaruhi harga kenaikan atau penurunan melebihi nilai actual. Peneliti memiliki tujuan untuk mendapatkan analisis mengenai bias yang ada berpengaruh terhadap pengambilan keputusan investasi. Penelitian ini menggunakan pendekatan kuantitatif yang bersifat deskriptif. Variabel ini merupakan variabel yang terletak di antara variabel independent dan dependen, sehingga variabel inndependent tidak langsung mempengaruhi berubahnya atau timbulnya variabel dependen. Penelitian ini menggunakan kuesioner sebagai alat pengumpulan data, Penelitian ini menggunakan metode PLS (Partial Least Square). Penelitian ini hanya self- attribution bias yang tidak berpengaruh terhadap pengambilan keputusan investasi. Investor senior dalam galeri investasi universitas Pancasila harus membantu investor milenial agar terhindar dari pengaruh investasi negative mengenai saham. Dalam penelitian ini self-attribution bias tidak berpengaruh terhadap pengambilan keputusan investasi. Peneliti berasumsi bahwa investor milenial ini tidak hanya merasa bahwa keberhasilan dalam berinvestasi bukan hanya dari kemampuan teknikal dan fundamental, tetapi dari informasi-informasi yang valid yang dapat mereka dapatkan.

The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance Darmansyah Darmansyah; Arissetyanto Nugroho; Zulkifli Zulkifli; Winda Wulandari; Retna Sari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11933

This study investigates the role of Financial Technology (Fintech) and Artificial Intelligence (AI) in strengthening financial governance accountability and improving national financial inclusion. While prior studies have largely examined fintech and AI separately, this research develops an integrated model that positions accountability as a key mediating mechanism linking technological integration to broader financial inclusion outcomes. Using a quantitative explanatory design, data were collected through a digital survey involving 300 respondents consisting of public sector stakeholders, fintech actors, and users of digital financial services. The data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that fintech integration positively and significantly affects accountability and financial inclusion. Likewise, AI implementation significantly improves accountability and financial inclusion. Accountability also exerts a strong positive effect on financial inclusion. Mediation analysis shows that accountability partially mediates the effects of fintech and AI on financial inclusion. These findings suggest that the integration of fintech and AI contributes not only to operational efficiency but also to the improvement of governance quality and the expansion of inclusive financial access. The study contributes to the literature by proposing an integrative fintech, AI, accountability, financial inclusion framework in the context of a developing economy and offers evidence-based implications for policymakers and financial regulators.

The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance Darmansyah Darmansyah; Arissetyanto Nugroho; Zulkifli Zulkifli; Winda Wulandari; Retna Sari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11933

This study investigates the role of Financial Technology (Fintech) and Artificial Intelligence (AI) in strengthening financial governance accountability and improving national financial inclusion. While prior studies have largely examined fintech and AI separately, this research develops an integrated model that positions accountability as a key mediating mechanism linking technological integration to broader financial inclusion outcomes. Using a quantitative explanatory design, data were collected through a digital survey involving 300 respondents consisting of public sector stakeholders, fintech actors, and users of digital financial services. The data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that fintech integration positively and significantly affects accountability and financial inclusion. Likewise, AI implementation significantly improves accountability and financial inclusion. Accountability also exerts a strong positive effect on financial inclusion. Mediation analysis shows that accountability partially mediates the effects of fintech and AI on financial inclusion. These findings suggest that the integration of fintech and AI contributes not only to operational efficiency but also to the improvement of governance quality and the expansion of inclusive financial access. The study contributes to the literature by proposing an integrative fintech, AI, accountability, financial inclusion framework in the context of a developing economy and offers evidence-based implications for policymakers and financial regulators.

The Mechanism of Word of Mouth in the Transformation of Strategic Capabilities Into Competitive Advantages of Excellent Private Universities the Role of Word of Mouth as a Conversion Mechanism in the Digital Age (Parsimonious Model) Petiana Indriati; Sri Widyastuti; Zulkifli Zulkifli
Eduvest - Journal of Universal Studies Vol. 6 No. 2 (2026): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v6i2.52936

The changing competitive landscape of private higher education institutions (PTS) indicates that institutional excellence is no longer solely determined by internal performance, but rather by how that performance translates into credible public perception. This study aims to examine the role of Word of Mouth (WoM) as a conversion mechanism that transforms strategic capabilities—student experience (X1), digital strategy (X2), and industry partnerships (X3)—into competitive advantage (Y1) at Unggul-accredited PTS in the Greater Jakarta area. The research approach employs an explanatory quantitative method with Structural Equation Modeling analysis based on Partial Least Squares (SEM-PLS). Data were obtained from 252 respondents consisting of active students and alumni. The results show that student experience and digital strategy have no direct effect on competitive advantage, while industry partnerships have a significant positive effect. However, all strategic capabilities are proven to have a significant effect on Word of Mouth, and Word of Mouth has a strong effect on competitive advantage. Mediation tests confirm that WoM functions as the main transmission mechanism, with a full mediation pattern for student experience and digital strategy, and partial mediation for industry partnerships. This finding confirms that strengthening internal capabilities needs to be accompanied by a social-digital advocacy activation strategy to produce a competitive advantage that is recognized by the public.

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