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All Journal MANAJEMEN HUTAN TROPIKA Journal of Tropical Forest Management Jurnal Pengelolaan Sumberdaya Alam dan Lingkungan (Journal of Natural Resources and Environmental 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) Jurnal Studi Ekonomi dan Bisnis Islam (SEBI) 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 Nusantara Journal of Multidisciplinary Science Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Innovative and Creativity Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia International Journal of Economics, Accounting, and Management JAS (Jurnal Akuntansi Syariah) Journal of Digital Business Innovation Atestasi : Jurnal Ilmiah Akuntansi INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) IJEMA Profixa: International Journal of Economic and Business Research
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 Earth & Planetary Sciences 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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Liquidity Risk Management in Corporate Finance: Strategies for Financial Resilience Adzka Rosa Sanjayyana; Irsyad Kamal; Muhammad Rispan Affandi; Medeilia Bernike Br Ginting; Abdul Rosid
Jurnal Informasi dan Teknologi 2025, Vol. 7, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.vi0.677

Abstract

Liquidity risk management is one of the crucial aspects in maintaining the operational continuity and financial stability of companies. This study aims to explore various strategies employed by Indonesian companies in managing liquidity risk, as well as their impact on financial resilience. The main focus of this research includes cash flow management, financing source diversification, technology utilization, debt management, and the use of hedging strategies. The research findings show that companies with effective liquidity management strategies, such as the use of cash flow projections and cloud-based technology, are more resilient in uncertain market conditions. Furthermore, financing diversification through revolving credit, capital markets, and equity provides flexibility in accessing the necessary funds during liquidity crises. Managing debt with a balance between short-term and long-term debt also plays an important role in reducing liquidity pressure. On the other hand, hedging against exchange rate and interest rate fluctuations using derivative instruments helps companies mitigate external risks that could affect their liquidity. The study concludes that the implementation of these strategies is essential in maintaining liquidity stability and the competitiveness of companies in the face of global economic challenges. Therefore, companies need to develop adaptive and sustainable liquidity management policies to face future economic uncertainties.
ANALISIS KUALITAS LAYANAN GRAB MENGGUNAKAN CHECK SHEETS DAN FISHBONE DIAGRAM Desty Hapsari Kirana; Irsyad Kamal; Muhammad Aqshel Revinzky; Rd. Rifqi Dwisanto; Andreas Recki Prasetyo
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 6 (2025): Desember 2025 - Januari 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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

Abstract

Penelitian ini bertujuan untuk menganalisis kualitas layanan Grab di Indonesia berdasarkan ulasan pengguna selama enam bulan terakhir, menggunakan check sheet untuk mengidentifikasi kategori masalah utama dan fishbone diagram untuk menggali akar penyebabnya. Hasil analisis menunjukkan bahwa keluhan paling dominan berasal dari masalah pengemudi, proses operasional, dan aplikasi, yang berkontribusi terhadap ketidakpuasan pelanggan. Pengemudi yang kurang terlatih dan masalah teknis pada aplikasi menjadi penyebab utama keluhan, diikuti oleh masalah terkait pengiriman yang terlambat. Berdasarkan temuan ini, penelitian merekomendasikan peningkatan pelatihan pengemudi, perbaikan kestabilan aplikasi, dan penyempurnaan proses pemesanan dan pengemasan. Namun, penelitian ini memiliki keterbatasan terkait data yang bersifat subjektif, sehingga riset di masa depan perlu memperluas periode waktu dan menggunakan metode analisis yang lebih mendalam untuk mendapatkan gambaran yang lebih lengkap tentang kualitas layanan Grab.
APAKAH KEINTIMAN KEPADA KONSUMEN BERPENGARUH TERHADAP KEPUASAN KONSUMEN? STUDI KASUS PADA TEMPAT PENYEDIA JASA SERVIS MOBIL DI KOTA BANDUNG Irsyad Kamal (Universitas Padjadjaran - Indonesia); Deru R Indika (Universitas Padjadjaran - Indonesia); Muhamad Aqshel Revinzky (Universitas Padjadjaran - Indonesia)
Jurnal Manajemen Industri dan Logistik Vol. 3 No. 2 (2019): page 94 - 173
Publisher : Politeknik APP Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30988/jmil.v3i2.61

Abstract

Abstract A shift in marketing orientation, from transactional marketing to long-term and involves emotions that become the current trend. Many ways and efforts made by the company to win the current competition is to conduct customer intimacy towards its customers. This research is aimed to see how the relationship between customer intimacy and customer satisfaction, measured using ordinary linear regression. Independent variable in this research is customer intimacy with factors of Tailoring, Coaching, and Partnering, and dependent variable customer satisfaction with Tangible, Empathy, Responsiveness, Reliability and Assurance as its factors, processed using customer satisfaction index method. Purposive sampling method is used to reach 100 respondents and the data is analyzed using ordinary linear regression. Simultaneous t- test is used to test hypotheses with significance level of 10%. Result shows that customer intimacy has positive and significant influence to customer satisfaction. Customer intimacy is able to define 14,8% customer satisfaction. This indicates a low relationship of customer intimacy to customer satisfaction in car service center.  Keywords: customer intimacy; customer satisfaction; service quality Abstrak Orientasi pemasaran yang mulai beralih dari pemasaran transaksional menjadi pemasaran yang bersifat jangka panjang dan melibatkan emosi menjadi tren saat ini. Banyak cara dan upaya yang dilakukan oleh perusahaan untuk memenangkan persaingan saat ini adalah dengan melakukan customer intimacy terhadap konsumen nya. Penelitian bertujuan untuk melihat hubungan antara customer intimacy terhadap customer satisfaction yang diukur berdasarkan regresi linier sederhana. Penelitian ini menggunakan customer intimacy sebagai variable independen dengan faktor-faktor Tailoring, Coaching, dan Partnering sedangkan variabel dependen yang digunakan adalah customer satisfaction dengan faktor-faktor Tangible, Empathy, Responsiveness, Reliability, dan Assurance yang diolah menggunakan metode customer satisfaction index. Penelitian ini menggunakan metode purposive sampling sebagai sampel dengan menggunakan 100 tanggapan responden untuk diteliti. Data dianalisis dengan regresi linear sederhana. Pengujian hipotesis menggunakan Uji t simultan dengan tingkat signifikansi 10%. Hasil pengujian menggunakan uji t menunjukkan bahwa di tempat penyedia jasa servis mobil variabel customer intimacy berpengaruh positif signifikan terhadap customer satisfaction. Selain itu variabel customer intimacy dapat menjelaskan 14,8% variabel customer satisfaction. Hal ini mengindikasikan adanya pengaruh yang rendah tapi pasti dari customer intimacy terhadap customer satisfaction di tempat penyedia jasa servis mobil. Kata kunci: keintiman kepada konsumen; kepuasan konsumen; kualitas servis
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
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 - Jurnal Kolaboratif Sains (JKS)
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
Spending Experiences among K-Pop Fans in Indonesia: A Cross-Sectional Study of Financial Prioritisation, Budget Reallocation, Coping, and Emotional Investment Kurnia Khafidhatur Rafiah; Irsyad Kamal; Chiara Zivka Manayra
International Journal of Economic and Business Research Vol. 1 No. 3 (2026): : July: Profixa: International Journal of Economic and Business Research
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/a5jg0485

Abstract

This study examines spending experiences among K-Pop fans in Indonesia by distinguishing financial prioritisation, budget reallocation, coping-oriented spending, and emotional investment, while exploring their associations with selected respondent characteristics. An exploratory cross-sectional online survey was conducted among 164 K-Pop fans who had prior experience using a paid K-Pop artist-frame self-photo booth service. Four five-point Likert items were analysed separately, supported by descriptive statistics and Spearman rank-order correlations, with 16 primary correlations adjusted using the Holm procedure. Agreement was lowest for financial prioritisation during financial difficulty (8.5%) and higher for budget reallocation (32.9%), coping-oriented spending (60.4%), and emotional investment (50.0%). The perceived role of idols in consumption decisions was positively associated with financial prioritisation (ρ=.278), coping-oriented spending (ρ=.278), and emotional investment (ρ=.344), while monthly K-Pop spending was associated with financial prioritisation (ρ=.233) and emotional investment (ρ=.298). Income or allowance and fandom duration showed no significant associations after adjustment. The four spending experiences were positively interrelated, with correlations ranging from ρ=.397 to ρ=.577, yet remained conceptually distinct. These findings suggest that fandom-related expenditure should be understood through differentiated financial and affective dimensions rather than as a uniform form of excessive consumption. The study provides an empirical basis for examining how emotional meanings and financial practices intersect within contemporary K-Pop consumer culture.
Co-Authors A. Malik Fajar Abdul Rosid Adhadian Akbar Adi Putra Adinugroho, Wahyu Catur Adzka Rosa Sanjayyana Agung Anggara Rudini Agus Santoso Amalis Karisma Amaliya Shofiana Andi Salamah 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 Cakranegara, Pandu Adi Carmeline, Benedicta Christina Cattleya Rejito Chiara Zivka Manayra Chitra Indah Sari Choeriyah, Siti CNAWP, Rizal Perlambang Cuk Jaka Purwanggono Darmawanto Darmawanto Deru R Indika (Universitas Padjadjaran - Indonesia) Desty Hapsari Kirana Desty Hapsari Kirana DEWI SARTIKA Dj, Arifhan Ady Etty Susilowati Farhany Richas Fathimah Azzahra Rahadian Fifi Gus Dwiyanti Fitria Sari Hapsari Widayani Hasan Basri Hety Devita Hety Devita ISKANDAR ZULKARNAEN SIREGAR Iwan Setiawan Jamaludin, Endang Johnny Chandra Joval Ifghaniyafi Farras Judijanto, Loso Komalasari, Ika Kurnia Khafidhatur Rafiah Kurnia Khafidhatur Rafiah KUSUMADEWI SRI YULITA Latifa Mischa Saqina Layyinaturrobaniyah Lukman Hakim Lukman Hakim M. Aqshel Revinzky M. Chairul Ihsan Medeilia Bernike Br Ginting Miswari Miswari Mohammad Afrizal Miradji Muhamad Aqshel Revinzky (Universitas Padjadjaran - Indonesia) Muhammad Aqshel Revinzky Muhammad Aqshel Revinzky Nizar Muhammad Hisyam Nadhir Muhammad Rispan Affandi Muhammad Rizki Perdana Nasya Anggia Putri Napitupulu Nur Hayati Pandu Adi Cakranegara Prihastuti, Asepma Hygi Putra, Agus Rachmat, Henti Hendalastuti Rahlana Shidiq Azqar Ratih Pratiwi Rd. Rifqi Dwisanto Rini Armin Riri Cornellia Rizkiati Khasanah Rizky Ramadhan Rosari, Renya Safaruddin Saipul Al Sukri Siska Yuli Anita Sonia Sischa Eka Putri Sulwani Husna Afrizal Sunu Widianto Supriyanto Susila, Susila Susilo Surahman Syaputra, Dhika Tuti Dharmawati Ubbadul Adzkiya' Yudi Azis Zet Ena