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Pramudi Harsono
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Inovasi dalam Proses Seleksi Karyawan Untuk Meningkatkan Kompetitivitas Divisi Marketing PT. Sumber Alfariya Trijaya Tbk. Branch Serang Lesmana, Ihwan Satria; Tabroni, Tabroni; Harsono, Pramudi; Bahits, Abdul
Jurnal Manajemen STIE Muhammadiyah Palopo Vol 9, No 2 (2023)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jurman.v9i2.1904

Abstract

AbstrakPenelitian ini membahas inovasi dalam proses seleksi karyawan untuk meningkatkan daya saing Divisi Marketing di PT Sumber Alfaria Trijaya Tbk Branch Serang. Dengan menggunakan metode kualitatif dan pendekatan penelitian lapangan, data diperoleh melalui wawancara terbuka dengan eksekutif marketing perusahaan. Sebagai entitas perdagangan dan distribusi ritel dengan lebih dari 16.000 cabang di Indonesia, PT Sumber Alfaria Trijaya Tbk memandang kualitas sumber daya manusia sebagai kunci keberhasilan perusahaan. Proses rekrutmen, seleksi, dan penempatan karyawan di Divisi Marketing diangkat sebagai fokus penelitian, menekankan peran kritisnya dalam mencapai kinerja perusahaan yang optimal. Ketersediaan sumber daya berkualitas tinggi merupakan salah satu faktor penentu keberhasilan pelaksanaan tugas pekerjaan internal. Oleh karena itu, untuk memperoleh sumber daya manusia (karyawan) yang berkualitas dan mampu memenuhi kebutuhan perusahaan, maka perlu dilakukan rekrutmen, seleksi, dan penugasan karyawan sesuai dengan divisi dimana mereka berada.Kata Kunci: Inovasi, Seleksi, dan PenempatanAbstractThis research discusses innovation in the employee selection process to increase the competitiveness of the Marketing Division at PT Sumber Alfaria Trijaya Tbk Serang Branch. Using qualitative methods and a field research approach, data was obtained through open interviews with company marketing executives. As a retail trading and distribution entity with more than 16,000 branches in Indonesia, PT Sumber Alfaria Trijaya Tbk views the quality of human resources as the key to the company's success. The recruitment, selection and placement process of employees in the Marketing Division was appointed as the focus of the research, emphasizing its critical role in achieving optimal company performance. The availability of high-quality resources is one of the determining factors in the successful implementation of internal work tasks. Therefore, to obtain quality human resources (employees) who are able to meet the company's needs, it is necessary to recruit, select and assign employees according to the division in which they are located.Keywords: Innovation, Selection, and Placement.
PEMBERDAYAAN UMKM PEDAGANG KAKI LIMA DI SEKITAR KAMPUS KOTA SERANG MELALUI PENDAMPINGAN MANAJEMEN USAHA Asfar, Andi Hasryningsih; Tabroni, Tabroni; Surachman, Surachman; Harsono, Pramudi; Salapudin, Salapudin; Sukmawan, Irwan
Indonesian Collaboration Journal of Community Services (ICJCS) Vol. 5 No. 4 (2025): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/icjcs.v5i4.230

Abstract

This community service activity aims to empower micro, small, and medium enterprises (MSMEs), particularly street vendors operating around university areas in Serang City, through business management assistance. Street vendors play a significant role in supporting local economic activities; however, many of them still manage their businesses in a traditional manner with limited managerial skills, especially in financial management and business planning. The activity was conducted using a participatory and practice-based approach, involving stages of initial needs assessment, business management training, on-site mentoring, and evaluation. The program was implemented over one month in September 2025 and involved street vendors from various business sectors. The results indicate a significant improvement in participants’ understanding of basic business management, including simple financial record-keeping, capital management, and pricing strategies. In addition to increased knowledge, behavioral changes were observed, particularly in the adoption of daily transaction records and the separation of business and personal finances. The campus environment provided a strategic context due to stable market demand and close interaction with the academic community. Overall, the activity demonstrates that continuous and contextual business management assistance can effectively enhance the capacity, independence, and sustainability of street vendor MSMEs. The program also highlights the role of higher education institutions in strengthening local economic development through community-based empowerment initiatives.
THE IMPACT OF GEOPOLITICAL PRESSURE PROXIED BY AVTUR PRICES ON THE FINANCIAL PERFORMANCE OF AIRLINES LISTED ON THE INDONESIAN STOCK EXCHANGE: THE MEDIATION ROLE OF OPERATIONAL COSTS Qory Meidina Izria; Pramudi Harsono; Surti Zahra
International Journal of Economy, Education and Entrepreneurship (IJE3) Vol. 6 No. 2 (2026): International Journal of Economy, Education and Entrepreneurship
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ije3.v6i2.494

Abstract

This study analyzes the effect of geopolitical pressure in the energy market, proxied by aviation fuel prices, on the financial performance of airlines listed on the Indonesia Stock Exchange, with operating costs as a mediating variable. Financial performance is measured using Return on Equity (ROE). This research applies a quantitative associative-causal approach using quarterly panel data from 2022 to 2025 on two airline issuers, namely PT AirAsia Indonesia Tbk (CMPP) and PT Garuda Indonesia (Persero) Tbk (GIAA), resulting in 32 observations. Financial data were obtained from public financial reports, while aviation fuel price data were collected from official aviation fuel price sources. Aviation fuel prices and operating costs were transformed into natural logarithms to ensure proportional data scaling. The data were analyzed using linear regression, path analysis, and the Sobel test with SPSS 25. The results show that aviation fuel prices do not have a significant direct effect on ROE (β = -0.054; t = -1.424; p = 0.165). Aviation fuel prices have a positive and significant effect on operating costs (β = 0.624; t = 3.386; p = 0.002), while operating costs have a negative and significant effect on ROE (β = -0.881; t = -2.452; p = 0.020). Mediation testing indicates that operating costs fully mediate the effect of aviation fuel prices on ROE (indirect effect = -0.550; Sobel t = -4.92). These findings indicate that the impact of geopolitical pressure on airline profitability primarily occurs through increased operating costs. The study implies the importance of cost efficiency, fuel consumption management, and mitigation strategies against aviation fuel price volatility.
PENGGUNAAN E-WALLET PENGARUHNYA TERHADAP PENGELOLAAN KEUANGAN MAHASISWA GENERASI Z DENGAN LITERASI KEUANGAN SEBAGAI VARIABEL MEDIASI PADA MAHASISWA FEB UNIVERSITAS BINA BANGSA Syafikah Wijayanti; Pramudi Harsono; Surti Zahra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.196

Abstract

The development of digital financial technology encourages the increasing use of e-wallets as a non-cash transaction tool among Generation Z students. This study aims to analyze the influence of e-wallet use on the financial management of Generation Z students of the Management Study Program Semester 8 of the Faculty of Economics and Business (FEB) Bina Bangsa University, with financial literacy as a mediating variable. The research method used was an associative quantitative approach with a cross-sectional design. The research population amounted to 537 active students, with the number of samples determined using the Slovin formula and the non-probability sampling technique of the accidental sampling method, so that 108 respondents were obtained. Data was collected through a Likert scale questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the help of SmartPLS. The results of the study showed that the use of e-wallets had a positive and significant effect on financial management (Original Sample 0.444; T-Statistics 4,669; P-Values 0.000) and financial literacy (Original Sample 0.548; T-Statistics 8,063; P-values 0.000). Financial literacy also has a positive and significant effect on financial management (Original Sample 0.277; T-Statistics 3,072; P-Values 0.002), and proven to significantly mediate the influence of e-wallet use on financial management (Original Sample 0.152; T-Statistics 2,998; P-values 0.003). Thus, all research hypotheses are accepted and the use of e-wallets contributes to improving student financial management, both directly and through the role of financial literacy.
PENGARUH NIM DAN BOPO TERHADAP ROA PADA PERUSAHAAN BANK DIGITAL YANG TERDAFTAR DI BEI Ratu Cinta Mulya Mutyara; Pramudi Harsono; Surti Zahra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.197

Abstract

The development of Return on Assets (ROA) in digital banking companies listed on the Indonesia Stock Exchange (IDX) during the 2021–2025 period showed fluctuating performance. These fluctuations were presumed to be influenced by Net Interest Margin (NIM) and Operating Expenses to Operating Income (BOPO). This study aimed to analyze the effect of Net Interest Margin (NIM) and Operating Expenses to Operating Income (BOPO) on Return on Assets (ROA) in digital banking companies listed on the Indonesia Stock Exchange during the 2021–2025 period. The hypotheses were tested both partially and simultaneously. This study employed a quantitative method with an associative approach. The sample was selected using purposive sampling, resulting in 7 companies with 35 observations. Data were analyzed using IBM SPSS Statistics Version 26. The results showed that Net Interest Margin (NIM) had no significant effect on Return on Assets (ROA) (t = -1.601; Sig. = 0.119) with a partial coefficient of determination of 7.5%. Operating Expenses to Operating Income (BOPO) had a negative and significant effect on Return on Assets (ROA) (t = -9.934; Sig. = 0.000) with a partial coefficient of determination of 75.5%. Simultaneously, Net Interest Margin (NIM) and Operating Expenses to Operating Income (BOPO) had a significant effect on Return on Assets (ROA) (F = 54.637; Sig. = 0.000) with a coefficient of determination of 77.3%.  In conclusion, Net Interest Margin (NIM) had no significant effect on Return on Assets (ROA), whereas Operating Expenses to Operating Income (BOPO) had a negative and significant effect on Return on Assets (ROA). Simultaneously, both variables had a significant effect on Return on Assets (ROA).
FINTECH PAYLATER, RISIKO KREDIT, DAN STRUKTUR PENDAPATAN PENGARUHNYA TERHADAP RETURN ON EQUITY (ROE) PADA BANK DIGITAL YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) PERIODE 2021-2025 Yuni Apriliani; Pramudi Harsono; Surti Zahra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.198

Abstract

This study aims to determine the influence of Fintech Paylater, Credit Risk and Income Structure on Return On Equity (ROE) in Digital Banks listed on the Indonesia Stock Exchange (IDX) for the 2021-2025 period. The research method used in this study is causal associative with a type of quantitative approach, with a Purposive Sampling technique with 30 samples of research data. The type of data used is secondary data obtained from the annual report of Digital Banks listed on the Indonesia Stock Exchange (IDX) for the 2021-2025 period which can be accessed through the official website of each bank. This research was analyzed using SPSS Software version 26. The results of the t-test (partial) of this study stated that Fintech Paylater had a negative and significant influence on Return On Equity (ROE) with a ttable value of > or -2.295 > -2.055. Credit Risk has a negative and significant influence on Return On Equity (ROE) with a calculated value of > ttable or -2.076 > -2.055. Opinion Structure has a negative and significant influence on Return On Equity (ROE) with a tcal value of > ttable or -3.177 > -2.055. And the results of the F test (simultaneous) that Fintech Paylater, Credit Risk and Income Structure simultaneously affect the Return On Equity (ROE) with a Fcal value of > Ftabel or 6.968 > 2.98.
LITERASI KEUANGAN, KONTROL DIRI, DAN KEMUDAHAN AKSES. PENGARUHNYA TERHADAP PERILAKUPEMBELIAN IMPULSIF PADA GEN Z DI KOTA SERANG DENGAN PENGGUNAAN PAYLATER Fajar Ridho Saputra; Pramudi Harsono; Surti Zahra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.199

Abstract

This study examines the roles of financial literacy, self-control, and ease of access in explaining impulsive buying among Generation Z users of PayLater in Serang City. A quantitative associative design was applied through a survey of 100 respondents selected using accidental sampling. Data were collected using a five-point Likert questionnaire and analyzed with multiple linear regression after instrument quality and classical assumption testing. The findings indicate that financial literacy does not have a significant effect on impulsive buying. Self-control has a significant negative effect, whereas ease of access has a significant positive effect. Collectively, the three predictors explain a meaningful proportion of variation in impulsive buying behavior. These results suggest that financial knowledge does not automatically translate into prudent consumption when digital credit is highly accessible. Behavioral financial education, stronger self-regulation, transparent service information, and responsible interface design are therefore necessary to reduce unplanned purchases and encourage safer PayLater use among young consumers.
PENGARUH KEPEMIMIPINAN TRANSFORMASIONAL, MOTIVASI KERJA, DAN DISIPLIN KERJA TERHADAP KINERJA KARYAWAN DI PT SOA TEKNIK MANDIRI Puput Ismatun Nabila; Pramudi Harsono; Surti Zahra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.200

Abstract

Employee performance is a key factor determining organizational success, influenced by leadership, work motivation, and work discipline implemented within acompany. This study aims to determine the effect of Transformational Leadership, Work Motivation, and Work Discipline on Employee Performance at PT SOA Teknik Mandiri, a company engaged in legal certification document services. The theoretical review refers to the concept of employee performance according to Mangkunegara, transformational leadership theory, work motivation according to Afandi (2018), and work discipline according to Agustini (2019). This research employed a quantitative method with a survey approach. The population and sample consisted of all 40 employees of PT SOA Teknik Mandiri, Serang City, using a saturated sampling technique. Primary data were collected through questionnaires and analyzed using multiple linear regression, partial test (t-test), and simultaneous test (F-test) with IBM SPSS Statistics. The results show that Transformational Leadership, Work Motivation, and Work Discipline each have a positive and significant effect on Employee Performance partially, and simultaneously produce an F-value of 49.943 with a significance of 0.000, along with an Adjusted R Square of 0.790, indicating that the three variables explain 79% of the variation in Employee Performance. It is concluded that improving employee performance can be achieved by simultaneously strengthening transformational leadership, work motivation, and work discipline
HEDONIC LIFESTYLE DAN PENGGUNAAN E-WALLET TERHADAP KEPUTUSAN KEUANGAN GEN Z DI KOTA CILEGON Tessa Dwi Nainggolan; Pramudi Harsono; Surti Zahra
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.201

Abstract

The hedonic lifestyle phenomenon and widespread e-wallet use among Generation Z in Cilegon City can shift daily financial decisions toward less rational patterns. This study analyzes the influence of Hedonic Lifestyle and e-wallet usage on Generation Z's financial decisions, partially and simultaneously. This study used a quantitative survey method involving 117 Generation Z respondents in Cilegon City, selected through accidental sampling. Data were collected using a validated, reliable Likert-scale instrument, then analyzed using multiple linear regression with IBM SPSS Statistics. The results show that Hedonic Lifestyle has a positive, significant effect on financial decisions (t = 10.497; sig. < 0.001), as does e-wallet usage (t = 2.538; sig. = 0.013). Together, both variables significantly affect financial decisions (F = 66.389) and explain 53.8% of their variation. These findings confirm that hedonic lifestyle and easy digital transactions are important factors in Generation Z's financial management in Cilegon City. The higher the hedonic tendency and the more intensive the e-wallet usage, the greater their influence on daily financial decisions. This study is expected to contribute theoretically to research on young generations' financial behavior in the digital era, and practically to Generation Z, e-wallet providers, and policymakers designing financial literacy education
Co-Authors Abdul Said Al Abad ASFAR, ANDI HASRYNINGSIH Bagas Ariyanto BAHITS, ABDUL Bakri, Asri Ady Budi Susanto Chafid, Nurul Desiyani, Risma Eka Dewi Asih Dini Martinda Lestari Elsabina, Salwa Erik Sumantri Ethana Harits Bryano Eva Suhayati Fajar Ridho Saputra Fajri , Ihsan Awalul Fani Oktarianti Putri Rahayu Fatari Filatrovi, Eldes Willy Haerullah, Edi Hafidz Hanafiah Hafidz Hanafiah Indah Ratnawati Iqbal Arraniri Irwan Sapta Putra Irwan Sukmawan Izzuar Akbar Fawzi Jayawarsa, A.A. Ketut Judijanto, Loso Khaeruman Komarudin, Mochamad Fahru Kusuma, Putri Wijayanti Leni Triana LENI TRIANA, LENI Lesmana, Ihwan Satria Listiawati Maharani, Adella Maulana, Masdani Nadila Oktaviani, Nadila Nani Rohaeni Nurhayaty, Ety Nurmalasari Nurmalasari Nurul Chafid Ofan Sofian Puput Ismatun Nabila Qory Meidina Izria Ratu Cinta Mulya Mutyara Retno Wulansari Rika Kartika Roby Muhammad Ihza Romli, Ombi Rosalia, Olyvia Saadatirrohmi, Siti Ahdina Saefullah Saefullah Saepudin Saepudin Salam, Karta Negara Salapudin, Salapudin Salma, Adilla Simanjuntak, Oktavia Veronika Sindi Triyani Siswahyudianto Siti Mariam Suflani Sugari, Tegar Suhandi Suhandi Suhandi Suhandi, Suhandi Sukmawan, Irwan Sulistyo Budi Utomo Supatmin, Supatmin Surachman Surachman Surachman Surachman Surachman Surachman Surti Zahra Sutisna, Nana Syafikah Wijayanti Tabroni Tabroni, Tabroni TATI NURHAYATI Tessa Dwi Nainggolan Wahyu Widodo Yasinta Soo Yuliah, Yuliah Yuni Apriliani