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MODEL LITERASI KEUANGAN DALAM MENINGKATKAN KINERJA USAHA SEKTOR UMKM (STUDI PELAKU UMKM JAWA TIMUR) Nugroho, Agung; Mukhlis, Imam; Rokhmani, Lisa; Hidayat, Rachmad
PROMOSI (Jurnal Pendidikan Ekonomi) Vol 13, No 1 (2025): PROMOSI
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jp.v13i1.11392

Abstract

Literasi keuangan terbukti menjadi prediktor signifikan terhadap pertumbuhan penjualan, pertumbuhan laba, dan kinerja bisnis UMKM secara keseluruhan. Namun variabel kontrol seperti gender, pendidikan, dan pengalaman tidak memberikan peran penting dalam hubungan antara literasi keuangan dan peningkatan kinerja bisnis UMKM. Penelitian ini melibatkan responden sebanyak 400 responden yang tersebar di Provinsi Jawa Timur yang terdiri dari berbagai sektor UMKM. Metode yang digunakan adalah Structural Equation Model – Partial Least Square (SEM-PLS) dengan tujuan untuk menguji dan mengestimasi secara simultan hubungan antara variabel eksogen dan endogen multiple dengan banyak factor. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan (T = 5.371, p value 0,000) terhadap daya saing UMKM dan digitalisasi manajeme beperngaruh positif dan signifikan terhadap (T = 16.093, p value 0,000). Beberapa hal yang bisa dilakukan untuk meningkatkan daya saing UMKM di Provinsi Jawa Timur adalah menyasar aspek lanjutan, peningkatan kesadaran, fasilitasi akses teknologi, pendampingan teknologi, analisis data usaha, integrasi platform digital, penguatan jejaring usaha, dan penerapan model bisnis berkelanjutan
Role of Village Government Policy Innovation: Mediating Influence of Promotion on Tourism Development in Sumenep Ahmadi, Raden Khaeru; Hidayat, Rachmad; Rahayu, Sri; Fitrianty, Rifda
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 2 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i2.7087

Abstract

This study aims to analyze the influence of promotion on tourism development by considering village government policy innovation as a mediating variable. The research focused on three leading tourist destinations in Sumenep Regency, namely Matahari Beach, Semaan Tourism Village, and Kedatim Mangrove Tourism. These three locations were chosen because they have high natural tourism potential and are a priority for local village government development. The method used in this study is Structural Equation Modeling - Partial Least Squares (SEM-PLS), which allows for the simultaneous and comprehensive testing of causal relationships between variables. A total of 100 respondents were used as research samples, consisting of the community, tourism managers, and village stakeholders who are directly involved in tourism development. The results of the study show that promotion has a positive and significant influence on tourism development. In addition, promotion has also been proven to have a positive and significant influence on policy innovation carried out by village governments. Policy innovation itself also shows a positive influence on tourism development. However, village government policy innovation is not able to be a significant mediating variable between tourism promotion and development. This finding shows that although promotion and policy innovation each contribute to the progress of the tourism sector, the effectiveness of innovative policies still requires the support of other factors such as community participation, cross-sector collaboration, and more structured and data-based long-term planning.
Optimization of Customer Satisfaction as a Bridge to Loyalty in Student Boarding House Business around Bahaudin Mudhary University Rahmatika, Ferizka; Hidayat, Rachmad; Rahayu, Sri; Fitrianty, Rifda
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.371

Abstract

This study aims to analyze the influence of CRM and Perceived Value on customer loyalty in boarding houses around Bahaudin Mudhary University, Madura. The research was motivated by the need to foster customer loyalty in the competitive student housing industry. A quantitative method was employed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) analysis. Data were collected through questionnaires distributed to boarding house residents near the campus. The results indicate that CRM has a significant effect on customer loyalty, whereas Perceived Value does not significantly influence either loyalty or customer satisfaction. These findings imply that relational approaches are more critical than economic considerations in maintaining boarding house tenants. The synthesis of the discussion confirms that the research objective has been achieved by identifying CRM as a key strategy in fostering tenant loyalty. The policy implication is that boarding house managers should implement structured CRM systems, supported by customer management and service communication training, with active involvement from educational institutions or local governments to promote relational-based boarding service standards.
The Influence of Work Environment, Work Discipline, and Work Motivation on Employee Performance at the Salt Production Area in Sumenep, PT. Garam Yanti, Dewi; Hidayat, Rachmad; Rahayu, Sri
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.373

Abstract

One important factor in an organization is human resources. These human resources can activate and move all components in the organization. Without people, organizations will not be able to operate and run. This study aims to examine the influence of the work environment on employee performance at the salt production area in Sumenep, PT. Garam, as well as to assess the effect of work discipline and work motivation on employee performance in the same location. In addition, the study aims to examine the joint influence of the work environment, work discipline, and work motivation on employee performance at the Pegaraman Area Sumenep PT Salt. A quantitative research approach was employed, with data collected through observation and a questionnaire. The study population consisted of all employees working in the Pegaraman Area Sumenep PT Salt. The data were analyzed using multiple linear regression analysis, hypothesis testing, and the determination coefficient analysis. The results indicate that the work environment, work discipline, and work motivation each have a partial influence on employee performance. 
The Role of Telemedicine in Improving Access to Healthcare Services in Remote Areas Tanggono, Aninda; Hidayat, Rachmad
Jurnal Ar Ro'is Mandalika (Armada) Vol. 5 No. 2 (2025): JURNAL AR RO'IS MANDALIKA (ARMADA)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/armada.v5i2.5138

Abstract

The rapid advancements in information and communication technologies (ICT) have revolutionized healthcare delivery, particularly in remote and underserved areas. One of the most significant innovations is telemedicine, which has emerged as a critical tool for overcoming geographical barriers and improving access to healthcare services. This paper explores the role of telemedicine in enhancing healthcare delivery in remote areas, where traditional healthcare infrastructure is often limited or non-existent. The study examines various telemedicine models, their implementation, and the outcomes observed in different remote regions, with a particular focus on the advantages and challenges associated with telemedicine. The research highlights the ways in which telemedicine bridges the gap between healthcare providers and patients in rural or isolated locations, ensuring that individuals in these areas can receive timely medical consultations, diagnoses, and treatments. It discusses the use of telemedicine in various specialties, including primary care, mental health, emergency services, and chronic disease management, emphasizing its versatility and potential to improve health outcomes. Furthermore, the paper addresses the technological, regulatory, and social barriers that may hinder the effective implementation of telemedicine, such as internet connectivity issues, data privacy concerns, and resistance to technology adoption. Through case studies and empirical evidence, the paper presents successful examples of telemedicine initiatives in different regions, demonstrating the positive impact on healthcare access, patient satisfaction, and healthcare cost reduction. Additionally, it explores the potential future developments in telemedicine, including the integration of artificial intelligence (AI) and other emerging technologies to further enhance healthcare delivery in remote areas. Telemedicine plays a pivotal role in improving access to healthcare services in remote areas, contributing to more equitable healthcare systems globally. The paper suggests that with the right policies, infrastructure, and support systems, telemedicine has the potential to become a cornerstone of modern healthcare delivery, particularly in regions with limited access to traditional healthcare facilities. Future research should focus on addressing the challenges of scaling telemedicine and exploring its long-term impact on healthcare systems worldwide.
Optimization of Customer Satisfaction as a Bridge to Loyalty in Student Boarding House Business around Bahaudin Mudhary University Rahmatika, Ferizka; Hidayat, Rachmad; Rahayu, Sri; Fitrianty, Rifda
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.371

Abstract

This study aims to analyze the influence of CRM and Perceived Value on customer loyalty in boarding houses around Bahaudin Mudhary University, Madura. The research was motivated by the need to foster customer loyalty in the competitive student housing industry. A quantitative method was employed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) analysis. Data were collected through questionnaires distributed to boarding house residents near the campus. The results indicate that CRM has a significant effect on customer loyalty, whereas Perceived Value does not significantly influence either loyalty or customer satisfaction. These findings imply that relational approaches are more critical than economic considerations in maintaining boarding house tenants. The synthesis of the discussion confirms that the research objective has been achieved by identifying CRM as a key strategy in fostering tenant loyalty. The policy implication is that boarding house managers should implement structured CRM systems, supported by customer management and service communication training, with active involvement from educational institutions or local governments to promote relational-based boarding service standards.
The Influence of Work Environment, Work Discipline, and Work Motivation on Employee Performance at the Salt Production Area in Sumenep, PT. Garam Yanti, Dewi; Hidayat, Rachmad; Rahayu, Sri
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 2 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i2.373

Abstract

One important factor in an organization is human resources. These human resources can activate and move all components in the organization. Without people, organizations will not be able to operate and run. This study aims to examine the influence of the work environment on employee performance at the salt production area in Sumenep, PT. Garam, as well as to assess the effect of work discipline and work motivation on employee performance in the same location. In addition, the study aims to examine the joint influence of the work environment, work discipline, and work motivation on employee performance at the Pegaraman Area Sumenep PT Salt. A quantitative research approach was employed, with data collected through observation and a questionnaire. The study population consisted of all employees working in the Pegaraman Area Sumenep PT Salt. The data were analyzed using multiple linear regression analysis, hypothesis testing, and the determination coefficient analysis. The results indicate that the work environment, work discipline, and work motivation each have a partial influence on employee performance. 
IMPLEMENTATION OF A PROJECT-BASED LEARNING MODEL TO DEVELOP STUDENTS' ABILITY TO DO BUSINESS Suharsono, Naswan; Hidayat, Rachmad
International Journal of Business, Law, and Education Vol. 4 No. 2 (2023): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v4i2.214

Abstract

This applied research was conducted to implement a project-based learning (PBL) model with five variations of business management activities and its five components in an integrated manner to improve the ability to run a business. The implementation of this prescriptive model was carried out to improve operational and managerial skills, as well as business development through improving product quality and access to markets.  The research design used was descriptive-exploratory, starting from the selection of the type of business, continuing to the identification of strengths and weaknesses, opportunities and threats, and action plans to turn threats into new business opportunities. The ability to run a business is measured from the aspects of resources, capital, products, markets, and future development programs.  Data on the improvement of managerial and operational skills, as well as data on the business development of the 35 student and alumni entrepreneurs were collected through project assignments and field observations. The efforts to improve the ability to run a business and the ability to capture market opportunities were analyzed by SWOT analysis and component analysis. The results of the analysis show that the ability to find business opportunities and predict future needs for goods and services can be developed through lecture classes, while operational skills and managerial abilities can be improved through the process of interaction with economic business actors in the field.
Sentiment Analysis of Public Opinion on Hajj Pilgrimage Travel Costs Using the K-Nearest Neighbors (KNN) Method Rahman, Zeinor; Haryono, Haryono; Hidayat, Rachmad
International Journal of Science, Engineering, and Information Technology Vol 9, No 2 (2025): IJSEIT Volume 09 Issue 02 July 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ijseit.v9i2.31221

Abstract

In the context of Islam, humans have the duty to educate themselves, purify their souls, and control their desires. Worship performed with sincerity and pure faith is considered a blessing. One example of worship in Islam is performing the Hajj pilgrimage, which is one of the five pillars of Islam, along with the declaration of faith (shahada), prayer (salat), almsgiving (zakat), and fasting (sawm). Hajj requires self-control, dedication, and sacrifice, including financial resources (Noor, 2018). However, the cost of the Hajj pilgrimage, proposed by the Ministry of Religious Affairs (Kemenag), is set to increase by almost 100% from the previous year, reaching IDR 69 million per person in 2023, eliciting various responses from the public. Some responses are constructive and positive, while others oppose the increase. Sentiment analysis is the method used to analyze public reactions to this change. Data for sentiment analysis was gathered from Twitter, with tweets processed using the Tf-Idf and Tf-Rf word weighting methods. The K-Nearest Neighbors (KNN) algorithm was then employed to assess the accuracy and effectiveness of these methods. The study findings revealed that the Tf-Idf word weighting method outperformed Tf-Rf in categorizing public sentiment regarding the cost of the Hajj pilgrimage. Tf-Idf achieved 84% accuracy, 81% precision, and 79% recall, while Tf-Rf achieved 79% accuracy, 75% precision, and 77% recall. Tf-Idf is considered superior in this sentiment analysis, providing precise predictions while effectively capturing important sentiments. Therefore, this method is deemed a reliable choice for accurate sentiment analysis
Penerapan Continuous Nitrogen Sealer Guna Meningkatkan Kapabilitas Produk UMKM di Wilayah Malang Wibowotomo, Budi; Sulistina, Oktavia; Hidayat, Rachmad; Mufti, Aya Shofia; Husna, Niki Asma’ul
Lamahu: Jurnal Pengabdian Masyarakat Terintegrasi Vol 4, No 2: August 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37905/ljpmt.v4i2.33595

Abstract

This community service program focuses on enhancing the product capability of MSME Wak Ijah. The business faces challenges in its product packaging process, which is still carried out manually using low-quality sealing, resulting in easily damaged product contents and shorter shelf life. In addition, its product marketing is still limited to the Malang area. The methods implemented in this program include training and mentoring through the application of a Continuous Nitrogen Sealer machine, digital marketing training, and the development of product nutrition labeling. The results show a significant improvement in production capacity and product quality, particularly in extending shelf life. To ensure the sustainability of this program’s impact, further mentoring on marketing strategies is required so that the training provided can be consistently and optimally applied in business management.
Co-Authors A, Prihastya Raehana A.A. Ketut Agung Cahyawan W Abdul Fattah, Fuad Agung Firdausi Ahsan Agung Winarno Agus Hery Supadmi Irianti Agustin Ningrum, Linda Ahmadi, Raden Khaeru Akmalia, Robiyatul Ali Imron Alvin Arifin Anam, Hoirul Andiani, Lia Andreas Triwiyono Anis Arenda Anis Arendra Aruna, Alby Aulia Martha, Jefry Ayu Salsabila, Annisa Azizah, Nofa Nur Budi Wibowotomo Budyi Suswanto Choirunnisa, Salsabila Safitri Dadang Redantan, Dadang Dede Rusmana Distina, Cahya Endang Suswati Ernani Hadiyati Fadia Zen Faikul Umam Fajarwati, Ferisia Dwi Fajarwati, Ferisia Dwi Fitri Agustina Fitrianty, Rifda Fulgentius Danardana Murwani Hairil Budiarto Haryono Haryono Heri Pratikto Husna, Niki Asma’ul Ima Oktavia, Anastasya Putri Imam Mukhlis Imania, Ekklesia Indarwati, Rila Ayu Agnes Isramaturrahmi, Isramaturrahmi Iva Khoiril Mala Jenie, Yazdi Ibrahim Khas, As'adi Khisbullah Hudha, Khisbullah Khoiril Mala, Iva Kukuh Winarso Lisa Rokhmani Ludi Wishnu Wardana Mahfirman, Mahfirman Malikul Adil Marcelliantika, Adinda Mardiyatul Husna, Safira Martha, Jefry Aulia Masyitah Masyitah Mohammad Hari, Mohammad Mu?alim, Mu?alim Mu’alim Mu’alim, Mu’alim Mufti, Aya Shofia Muslikh Muslikh Nachnul Ansori Naswan Suharsono Nugroho, Agung Nupus, Hayatun Oktavia Sulistina Pratiwi, Titania Putri Purba, Moden Putri Lestari, Tiwi Putri Surya, Eka Rahmadani, Sri Suci Rahman, Zeinor RAHMATIKA, FERIZKA Ratna Dewi Sabarudin Akhmad Sigit Permansah Siti Rochani, Siti SRI RAHAYU Studiviani, Pramita Sufi, Lintang Sugiarti Sugiarti Sujito Sujito Suprapto Suprapto Sutantri Tanggono, Aninda Wening Patmi Rahayu Yadi, Muhammad Bahri Yanti, Dewi Yudha Herlambang Yuli Soesetio Yuni Rahmawati Zumroh, Siti Zusi, H Zutiasari, Ika