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All Journal MANAJEMEN HUTAN TROPIKA Journal of Tropical Forest Management Prosiding Seminar Biologi Jurnal Akuntansi dan Pajak Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen AFEBI Management and Business Review JURNAL MANAJEMEN INDUSTRI DAN LOGISTIK Owner : Riset dan Jurnal Akuntansi Journal on Education JURNAL MANAJEMEN BISNIS Jurnal Ilmiah Edunomika (JIE) Jurnal Informasi dan Teknologi Jurnal Ekobis : Ekonomi Bisnis & Manajemen Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ekonomi dan Bisnis Terapan Quantitative Economics and Management Studies Jurnal Studi Islam Lintas Negara (Journal of Cross-Border Islamic Studies) Daengku: Journal of Humanities and Social Sciences Innovation Jurnal Ekonomi Jurnal Kolaboratif Sains Journal of Social And Economics Research Jurnal Ilmu Pendidikan dan Sosial International Journal of Management and Business Economics Journal of Economic Education and Entrepreneurship Studies Indonesian Journal Of Business And Entrepreneurship Research Nusantara Journal of Multidisciplinary Science Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia International Journal of Social and Education (INJOSEDU) International Journal of Economics, Accounting, and Management journal of social and economic research Journal of Digital Business Innovation Atestasi : Jurnal Ilmiah Akuntansi
Irsyad Kamal
Universitas Padjadjaran
Religion Agriculture, Biological Sciences & Forestry Arts 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 Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Other

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Comparison Analysis of User Experience on m-BCA and BRImo Mobile Banking Applications Using The User Experience Questionnaire (UEQ) Method Farhany Richas; Irsyad Kamal
International Journal of Management and Business Economics Vol. 2 No. 3 (2024): June
Publisher : CV Putra Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58540/ijmebe.v2i3.551

Abstract

The increasing trend of non-cash payments such as QRIS and transfers is driving more intensive use of mobile banking applications in daily life. This poses a challenge for mobile banking service providers to deliver the best service to their customers through a good user experience. This is necessary to maintain their existence in the hearts of their customers. This research aims to determine the user experience value in each m-BCA and BRImo application, as well as their comparative value using the User Experience Questionnaire (UEQ) method. The analysis results conducted on 240 respondents with a minimum age of 19 and domiciled in Jabodetabek show that the user experience of BRImo is superior to m-BCA in all UEQ scales. BRImo achieves excellent benchmark scores in the attractive, perspicuity, efficiency, dependability, and stimulation scales while obtaining a good evaluation in the novelty scale. Meanwhile, m-BCA obtains excellent benchmark scores in the perspicuity, efficiency, and dependability scales, good evaluation on the attractive scale, above average on the stimulation scale, and below average on the novelty scale.
BAD DEBTS IN BANKING: MANAGEMENT AND PREVENTION STRATEGIES Hety Devita; Irsyad Kamal; Lukman Hakim
INTERNATIONAL JOURNAL OF SOCIAL AND EDUCATION Vol. 1 No. 5 (2024): August
Publisher : Pondok Pesantren Baitul Quran

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

Abstract

This research produced key findings related to the causes, handling, and preventive efforts of non-performing loans. The analysis revealed that the main causative factors are the debtors' inability to manage their finances and economic fluctuations. This inability is often caused by miscalculations or a sudden drop in income, such as a decline in business sales or job loss. Conversely, economic turmoil such as inflation, high interest rates, or recession also exacerbates the situation, making it difficult for debtors to meet payment obligations. Dealing with non-performing loans requires a layered approach that is customized, depending on the specific conditions of the debtor and creditor. One effective method is loan restructuring, which involves modifying the terms and conditions of the loan to make it more affordable for the debtor. In addition, asset seizure and liquidation is also a last resort to reduce losses for creditors. Enforcement of credit risk management through stricter evaluation of creditworthiness and utilization of advanced technology is also important to minimize the risk of future non-performing loans. For the prevention of non-performing loans, continuous financial education and good communication with debtors are essential first steps. Financial education programs can help individuals and businesses understand better financial management, while proactive communication between lenders and borrowers provides early warning of potential financial problems. In addition, the implementation of stricter credit policies and closer monitoring of creditor performance are also important steps in the prevention of non-performing loans before the problem becomes unmanageable. Overall, the handling and prevention of non-performing loans requires good coordination and a comprehensive approach from various relevant parties. Lenders need to develop more sophisticated procedures and tools for risk evaluation and management, while borrowers need to be adequately educated on financial management. With these collective efforts, the risk of non-performing loans can be minimized and financial stability at the micro and macro levels can be better ensured.
Examine The Role Of Management Ownership In Unlocking Firm Value Aprih Santoso; Tuti Dharmawati; Bastanta Prawira Tarigan; Pandu Adi Cakranegara; Irsyad Kamal
Jurnal Akuntansi dan Pajak Vol 23, No 2 (2023): JAP : Vol. 23, No. 2, Agustus 2022 - Januari 2023
Publisher : ITB AAS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v23i2.6970

Abstract

The purpose of this research is to analyze the effect of profitability and liquidity on firm value by moderating management ownership. The data were obtained from the financial statements and annual reports of manufacturing companies listed on the Indonesia Stock Exchange for the years 2018 – 2020. By using purposive sampling, 27 companies were selected as research samples. The data was processed by multiple regression analysis using the IBM SPSS Statistic 25 application. The results showed that profitability had a positive and significant effect on firm value, but liquidity had no effect on firm value. The results of the moderating variable test show that management ownership does not moderate the effect of profitability and liquidity on firm value. Keywords: ownership, liquidity, firm value, profitability
POPULATION SIZE CAN MODERATE THE EFFECT OF HUMAN DEVELOPMENT INDEX ON ECONOMIC GROWTH Dj, Arifhan Ady; Putra, Agus; Santoso, Agus; Basri, Hasan; Kamal, Irsyad
JURNAL ILMIAH EDUNOMIKA Vol 8, No 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.15274

Abstract

ABSTRACT This research is a quantitative study with an explanatory approach, namely an approach that uses previous studies as the main basis for obtaining novelty and is developed in the research being conducted. The data used in this study are secondary data from various credible sources, namely the Central Statistics Agency from 2010 to 2024. The data were analyzed using the smart PLS 4.0 analysis tool. The result in this article show the two hypotheses proposed in this article, namely the Human Development Index variable can have a positive relationship direction and a significant influence on Economic Growth can be accepted and proven. This is because the P-Values are positive and below the significance level of 0.05, namely 0.009. The reason for these results is that the Human Development Index which is influenced by Health and Education Levels can have a good, positive, and significant impact on Economic Growth. On this basis, it can be concluded that the first hypothesis in this article can be accepted. In the next section, the researcher also has another hypothesis, namely that the Population Size variable can moderate the influence of the Human Development Index variable on Economic Growth because of the same thing, namely the P-Values are positive and below the significance level of 0.05, which is 0.000 more significant than direct testing of 0.009. Thus, the first and second hypotheses in this article can be accepted. Keywords: Population Size, Human Development Index, Economic Growth
Entrepreneurial Skills and Financial Access: The Mediating Role of Entrepreneurship Education in Shaping Entrepreneurial Interest Irsyad Kamal; Kurnia Khafidhatur Rafiah; Salim Diarra
Indonesian Journal of Business and Entrepreneurship Research Vol. 3 No. 1 (2025): Vol. 3, No. 1, January 2025: Indonesian Journal of Business and Entrepreneurshi
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/ijober.v3i1.6655

Abstract

Student entrepreneurial interest is very important to encourage economic growth through job creation. This study aims to analyze the effect of entrepreneurial skills and access to capital on entrepreneurial interest with entrepreneurship education as a mediating variable in Universitas Padjadjaran students. The research method used is quantitative with explanatory descriptive design. Data were obtained using a closed questionnaire distributed digitally through Google Form with a Likert scale to students, then analyzed using path analysis techniques to test the direct and indirect effects between variables. The results showed that entrepreneurial skills have a significant direct effect on entrepreneurial interest and entrepreneurship education. Entrepreneurship education is also proven to have a significant effect on entrepreneurial interest. However, entrepreneurship skills have no significant effect indirectly through entrepreneurship education, while access to capital has no significant effect either directly or indirectly. This study highlights the importance of developing entrepreneurial skills and strengthening practice-based entrepreneurship education programs to increase students' interest in becoming entrepreneurs. Support in the form of relevant training is also recommended to enrich students' skills in starting and running a business.
The Digital Influence on Entrepreneurial Readiness: Exploring the Role of Social Media and Entrepreneurship Education in Enhancing Self-Efficacy Kurnia Khafidhatur Rafiah; Irsyad Kamal; Matthew Olufemi Adio
Indonesian Journal of Business and Entrepreneurship Research Vol. 3 No. 1 (2025): Vol. 3, No. 1, January 2025: Indonesian Journal of Business and Entrepreneurshi
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/ijober.v3i1.6657

Abstract

This research aims to analyze the influence of social media and entrepreneurship education on self-efficacy through entrepreneurial readiness among students of the Faculty of Economics and Business at Universitas Padjadjaran. In the current digital era, social media serves as an important means that not only provides information and inspiration but also allows students to build networks and share entrepreneurial experiences. This study demonstrates that positive interactions on social media can enhance students' self-efficacy, which is a key factor in preparing them to enter the business world. Furthermore, entrepreneurship education provides the knowledge and practical skills necessary to start a business, thereby increasing their entrepreneurial readiness. The research findings indicate that self-efficacy serves as a significant mediator in the relationship between entrepreneurship education and entrepreneurial readiness. Students with high levels of self-efficacy tend to be more confident and proactive in pursuing business opportunities. Thus, the combination of effective social media usage and high-quality entrepreneurship education can create an environment that supports the development of entrepreneurial character among students. These findings emphasize the importance of integrating social media and entrepreneurship education into the curriculum to shape a generation of competent entrepreneurs ready to face future challenges.
Analysis of Factors Affecting the Digitalisation of UMKM in Using QRIS (Study on Culinary Businesses in Bandung City) Rahlana Shidiq Azqar; Irsyad Kamal
International Journal of Economics, Accounting and Management Vol. 1 No. 5 (2025): IJEAM - January 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60076/ijeam.v1i5.1026

Abstract

One of the factors contributing to Indonesia's low Global Digitalization Index score of 33.1 is the limited digitalization among UMKM, as reflected in the adoption of QRIS by these businesses. Although QRIS is perceived as useful, barriers such as perceived ease of use, perceived cost, and social influence from consumers and competitors significantly affect attitudes toward using and behavioural intentions to use QRIS. This study aims to analyze the factors influencing the digitalization of UMKM through QRIS by a quantitative causal approach and Partial Least Squares Structural Equation Modeling (PLS-SEM). The research utilised a purposive sampling technique, gathering data from 70 culinary business respondents in Bandung City. The findings indicate that social influence and perceived ease of use have a significant and positive influence on attitudes toward using QRIS, while perceived cost has a significant negative effect, and perceived usefulness shows no significant effect. Additionally, perceived ease of use and attitudes toward using QRIS significantly and positively influence behavioural intention to use it, whereas perceived cost, social influence, and perceived usefulness do not. Mediation analysis reveals varying effects: indirect-only mediation for perceived cost and social influence, no-effect non-mediation for perceived usefulness, and complementary mediation for perceived ease of use
Analisis Model AISAS dalam Menilai Efektivitas Brand Ambassador Asal Korea pada Aplikasi Mobile Kurnia Khafidhatur Rafiah; Irsyad kamal; Amalis Karisma
Journal on Education Vol 7 No 1 (2024): Journal on Education: Volume 7 Nomor 1 Tahun 2024
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i1.7027

Abstract

The global phenomenon of the Korean wave, including its influence in Indonesia, has encouraged many businesses in Indonesia to employ Korean brand ambassadors as part of their marketing strategies, both for conventional and digital products. Previous studies, particularly those related to digital products, have shown negative responses, which motivated the author to conduct this research. This study focuses on three objects, namely Bukalapak, Ruangguru, and SimInvest, with the aim of evaluating and comparing the effectiveness of using Korean brand ambassadors for each application. The research employs a qualitative method with a survey approach to gather rich and diverse responses. The sampling technique used is quota sampling, with 30 participants for each research object. The results indicate that the use of Korean brand ambassadors is considered effective, although there are differences in effectiveness across several indicators, such as search and action.
Analisis Usability dan Redesign Aplikasi Seluler Dengan Metode User-Centered Design (Studi Kasus Starbucks Indonesia) Benedicta Christina Carmeline; Irsyad Kamal
Journal of Digital Business Innovation Vol. 1 No. 1 (2023): NOVEMBER
Publisher : LPPM Universitas dr. Soebandi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36858/digbi.v1i1.11

Abstract

Sales of processed coffee products in Indonesia are increasing along with the growth of coffee outlets and national consumption. Starbucks is trying to expand its services through a mobile application, but the usability of the application is still not optimal with user interface (UI) and user experience (UX) that have not satisfied users. Therefore, this study aims to improve usability through redesign using the user-centered design (UCD) method, which is based on constraints and feedback identified from users through initial surveys and interviews. The obstacles faced by users include unattractive appearance, poorly understood flow, and features that are difficult to find. The results of the redesign were compared with the current application design based on usability testing scores, average system usability scale (SUS) scores, and user satisfaction. The results of the usability testing and SUS scale showed a significant improvement from 46 to 69 and 55 to 89, indicating that the redesign has successfully improved the usability of the Starbucks Indonesia mobile application in accordance with the research objectives.
Strategi Sukses dalam Inovasi Fintech: Kajian Sistematis terhadap Model Bisnis dan Teknologi Terbaru: Success Strategies in Fintech Innovation: A Systematic Review of New Business Models and Technologies Irsyad Kamal; Sulwani Husna Afrizal
Jurnal Kolaboratif Sains Vol. 8 No. 3: Maret 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i3.7166

Abstract

Penelitian ini menganalisis strategi sukses dalam inovasi fintech dengan fokus pada model bisnis dan teknologi terbaru yang mendukung pertumbuhan industri keuangan digital. Menggunakan pendekatan Systematic Literature Review (SLR), penelitian ini menyaring 185 studi akademik dan memilih 25 artikel relevan melalui seleksi PRISMA. Hasilnya menunjukkan bahwa keberhasilan fintech dipengaruhi oleh inovasi teknologi seperti AI, Blockchain, Big Data, dan Cloud Computing, serta model bisnis seperti digital payment, neobanks, dan P2P lending. Regulasi yang fleksibel, seperti regulatory sandbox, mendukung inovasi startup, sementara regulasi yang ketat dapat menghambat. Keamanan data dan kepercayaan pengguna juga menjadi faktor penting dalam adopsi fintech, dengan transparansi dan perlindungan konsumen yang harus diperkuat. Meskipun fintech telah mengubah lanskap industri keuangan global, tantangan dalam regulasi, keamanan, dan edukasi pengguna masih ada. Penelitian ini menekankan pentingnya kolaborasi antara fintech, bank tradisional, regulator, dan investor untuk menciptakan ekosistem fintech yang berkelanjutan, serta memberikan implikasi akademik dan praktis bagi kebijakan yang mendukung pertumbuhan industri keuangan digital di masa depan
Co-Authors A. Malik Fajar Abdul Rosid Adhadian Akbar Adzka Rosa Sanjayyana Agung Anggara Rudini Agus Santoso Amalis Karisma Amaliya Shofiana Andreas Recki Prasetyo Andreas Recki Prasetyo Anindita Nirkin Maheswa Aprih Santoso Arida Susilowati Iswanto Arif Rahman Ariyanto M Arrofaha, Nawwall Asyifa Anandya Athallah, Muhammad Ariq Baiq Farhatul Wahidah Bastanta Prawira Tarigan Benedicta Christina Carmeline Cakranegara, Pandu Adi Cattleya Rejito Chandra, Johnny Chitra Indah Sari Choeriyah, Siti Darmawanto Darmawanto Deru R Indika (Universitas Padjadjaran - Indonesia) Dj, Arifhan Ady Etty Susilowati Farhany Richas Fathimah Azzahra Rahadian Fifi Gus Dwiyanti Fitria Sari Hapsari Widayani Hasan Basri Hety Devita ISKANDAR ZULKARNAEN SIREGAR Jamaludin, Endang Joval Ifghaniyafi Farras Judijanto, Loso Komalasari, Ika Kurnia Khafidhatur Rafiah Kurnia Khafidhatur Rafiah KUSUMADEWI SRI YULITA Latifa Mischa Saqina Layyinaturrobaniyah Lukman Hakim M. Chairul Ihsan Matthew Olufemi Adio Medeilia Bernike Br Ginting Miswari Miswari Muhamad Aqshel Revinzky (Universitas Padjadjaran - Indonesia) Muhammad Aqshel Revinzky Muhammad Aqshel Revinzky Nizar Muhammad Aqshel Revinzky Nizar Muhammad Hisyam Nadhir Muhammad Rispan Affandi Muhammad Rizki Perdana NAWP, Rizal Perlambang C Nur Hayati Pandu Adi Cakranegara Prihastuti, Asepma Hygi Putra, Agus Rachmat, Henti Hendalastuti Rahlana Shidiq Azqar Ratih Pratiwi Rini Armin Riri Cornellia Rizkiati Khasanah Rizky Ramadhan Rosari, Renya Safaruddin Saipul Al Sukri Salim Diarra Siska Yuli Anita Sonia Sischa Eka Putri Sulwani Husna Afrizal Sunu Widianto Supriyanto Susila, Susila Susilo Surahman Tuti Dharmawati Tuti Dharmawati Ubbadul Adzkiya' Yudi Azis Zet Ena