Garuda - Garba Rujukan Digital

LAYANAN MOBILE SIMARI TERHADAP KEPUASAN ANGGOTA DI KOPERASI JASA SYARIAH MAMBAUL RIZKI INVESTAMA, CABANG KARAWANG, JAWA BARAT Sidik, Syahrial; Wahyuari, Wahyuari; Sapolo, Supriyadi; Kurniartha, Alvernia
Premium Insurance Business Journal Vol. 10 No. 2 (2023): PREMIUM INSURANCE BUSINESS JOURNAL
Publisher : P3M Trisakti School of Insurance (TSI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35904/premium.v10i2.200

This study evaluates member satisfaction with Mobile SIMARI services at Mambaul Rizki Investama Sharia Services Cooperative, Karawang Branch, West Java. In the era of digitalization, Sharia Services cooperatives are adopting technology to simplify financial transactions. The SIMARI Mobile service was launched to provide easy transactions for cooperative members through features such as cardless cash withdrawals, credit top-ups, and bill payments. Using the Importance Performance Analysis (IPA) and Customer Satisfaction Index (CSI) methods, this study measures member satisfaction with Mobile SIMARI services. IPA results show that KJ2 and KJ6 services need to be improved, while other services are satisfactory. The CSI results show that the member satisfaction level reached 83.95%, indicating that this service is very satisfying. This research makes a significant contribution to the development of marketing strategies for Islamic services cooperatives, emphasizing the importance of digital technology integration in increasing member satisfaction and loyalty. The findings can serve as a reference for other cooperatives looking to adopt similar technologies to improve their service quality. Thus, Mambaul Rizki Investama Islamic Services Cooperative can be a pioneer in innovative and socially responsible business practices.

Pengenalan Digital Marketing Sebagai Strategi Pemasaran Usaha Ibu Rumah Tangga (IRT) Di Kelurahan Pedurenan Bekasi Timur Syahrial Sidik; Wahyuari Wahyuari; Rukaesih A. Maolani; Supiyadi Sapolo
ARSY : Jurnal Aplikasi Riset kepada Masyarakat Vol. 6 No. 1 (2025): ARSY : Jurnal Aplikasi Riset kepada Masyarakat
Publisher : Lembaga Riset dan Inovasi Al-Matani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55583/arsy.v6i1.1168

Di era digital, pemasaran digital menjadi kunci utama dalam pengembangan usaha, termasuk bagi Ibu Rumah Tangga (IRT) yang menjalankan usaha kecil. Namun, masih banyak IRT yang menghadapi kendala dalam mengadopsi strategi pemasaran digital karena keterbatasan pengetahuan dan akses terhadap teknologi. Oleh karena itu, program Pengabdian Kepada Masyarakat (PKM) ini bertujuan untuk mengedukasi IRT di Kelurahan Pedurenan, Bekasi Timur, mengenai pemasaran digital sebagai strategi pengembangan usaha. Kegiatan ini menggunakan metode pelatihan partisipatif yang melibatkan webinar interaktif serta studi kasus untuk memberikan pemahaman yang aplikatif. Materi yang diberikan mencakup dasar-dasar pemasaran digital, strategi pemasaran melalui WhatsApp, serta teknik pengelolaan konten untuk meningkatkan daya tarik dan jangkauan pasar. Hasil dari program ini menunjukkan peningkatan signifikan dalam pengetahuan dan kepercayaan diri peserta dalam menerapkan digital marketing untuk usaha mereka. Para peserta tidak hanya memahami konsep pemasaran digital, tetapi juga mampu mengaplikasikan strategi yang diajarkan untuk meningkatkan visibilitas dan penjualan produk mereka. Dampak dari program ini tidak hanya dirasakan dalam aspek pemasaran usaha, tetapi juga dalam pemberdayaan ekonomi keluarga dan masyarakat. Penerapan pemasaran digital oleh IRT di Pedurenan diharapkan dapat menjadi model bagi pengembangan usaha kecil lainnya di Indonesia, menegaskan pentingnya integrasi teknologi digital dalam strategi bisnis.

Culinary risk register: A practical guide to open a culinary business Suhendar, Bagus; Wahyuari, Wahyuari; Gustrian, Rachmadi
International Journal for Educational and Vocational Studies Vol. 4 No. 6 (2022)
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/ijevs.v4i3.7098

This study aims to create a Culinary Risk Register (CRR) for prospective culinary entrepreneurs compiled based on the identification of the risks that exist in the culinary business. It is hoped that this CRR can be used as an alternative practical guide for those who want to open a culinary business, in order to mitigate the occurrence of business failures. The research method used is descriptive quantitative with 34 respondents. The indicators of the instruments were set up from the 4 risk categories, while Pareto Principal was use to analyse the data. The results is that there are 13 main risk factors which are necessary to be consider to open culinary business, out of 54 risk factors verified by the respondents. Among the 4 risk categories (financial, strategic, hazard, and operational risk), financial risk is the most prominent risk factor to be consider. There are two point that can be concluded from this research. Firstly, financial risk is the most prominent risk factor that must come into consideration in opening culinary business, among the others 3 risk categories. At the opening or existence stage is a critical phase, an entrepreneur is busy promoting the products, gathering and convincing customers, providing good service quality that will take some times before the entrepreneur can obtain regular customers as well as increase the number of new customers. A business failure and bankruptcy may happen anytime at this stage, if there is no well financial arrangement. It is quite recommended that a prospective entrepreneur must have adequate cash flow or sufficient capital and a projected cash flow of the business. Secondly, this research produces a list of culinary risks (CRR) which contains 13 risk factors that need to be considered in opening a culinary business.

KUALITAS PELAYANAN PENDIDIKAN PADA STMA TRISAKTI DENGAN MENGGUNAKAN METODE EDUQUAL DAN IMPORTANCE PERFORMANCE ANALYSIS (IPA) Wahyuari, Wahyuari; Syahrial Sidik; Alvernia Kurniartha; Bunga Kalista
Journal of Innovation Research and Knowledge Vol. 5 No. 3: Agustus 2025
Publisher : Bajang Institute

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

This study aims to analyze the quality of educational services at STMA Trisakti by integrating the EduQual and Importance Performance Analysis (IPA) methods. EduQual is used to measure service quality based on five main dimensions: learning outcomes, responsiveness, physical facilities, personal development, and academics. Meanwhile, IPA is applied to map the gap between actual performance and student expectations, as well as to determine service improvement priorities. Data was collected through a questionnaire from 119 active students representing various programs of study and educational levels. The analysis results indicate that all service dimensions have negative GAP values, indicating that performance has not fully met student expectations. The dimensions with the largest GAPs were physical facilities and academic service responsiveness. IPA analysis reinforced these findings, prioritizing academic service responsiveness indicators as the top priority for improvement. This study contributes theoretically to the development of a service quality evaluation model based on a combination of EduQual and IPA, and practically provides strategic recommendations to STMA Trisakti for improving service quality and student satisfaction sustainably.

KUALITAS PELAYANAN PUBLIK DI KUA BANDUNG WETAN, KOTA BANDUNG DENGAN MENGGUNAKAN METODE IMPORTANCE PERFORMANCE ANALYSIS (IPA) DAN POTENTIAL GAIN IN CUSTOMER VALUE (PGCV) Syahrial Sidik; Wahyuari, Wahyuari; Supriyadi Sapolo; M. Nasyubun; Anisha Maharani Tambunan
Journal of Innovation Research and Knowledge Vol. 5 No. 3: Agustus 2025
Publisher : Bajang Institute

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

The quality of public services is an important factor in building public trust in government institutions, including the Office of Religious Affairs (KUA). This study aims to analyze the quality of public services at the KUA Bandung Wetan, Bandung City, using the Importance Performance Analysis (IPA) and Potential Gain in Customer Value (PGCV) methods. The IPA method is used to identify gaps between the level of importance and service performance based on public perception, while PGCV is used to measure the potential for service value improvement by identifying attributes that significantly impact customer satisfaction. This study employs a descriptive quantitative approach with a questionnaire distributed to 46 respondents. The IPA analysis results indicate two indicators that should be prioritized for improvement: Timeliness (KW2) and Transparency of Procedures (TP1), as they have high importance values but suboptimal performance. The PGCV calculations confirm that improvements in these two indicators have the potential to significantly enhance the perceived value of services by the public. This study contributes theoretically by integrating the IPA and PGCV approaches in public service evaluation based on ServQual, and practically by providing strategic improvement recommendations for KUA to sustainably enhance public satisfaction.

Systematic Literatur Riview: Strategi Penguatan Kualitas Agen Untuk Memajukan Pangsa Pasar Asuransi Umum Di Indonesia Sidik, syahrial; Wahyuari, Wahyuari; Nasyubun, M.
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 3 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i3.10532

The general insurance industry in Indonesia faces the challenge of low market penetration (below 4%) due to minimal risk literacy and public trust. Insurance agents play a central role as educators and bridges of trust, but strategies to strengthen their position in emerging markets have not been explored holistically. This study aims to formulate strategies to strengthen agent quality in order to advance market share through a Systematic Literature Review (SLR) method using the TCCM (Theory, Context, Characteristics, Methodology) framework. Using the PRISMA 2020 protocol, this study selected 1,000 articles from the Google Scholar and Emerald Insight databases (2016–2026), resulting in 30 relevant final articles. The analysis results show a surge in post-pandemic research interest and a dominance of studies from emerging market contexts that emphasize the “Phygital” (Physical + Digital) approach. This study proposes the “Hybrid-Trusted Agent” model, which integrates digital competence, ethical behavior, and technical expertise as key determinants of market performance. In conclusion, the transformation from transactional sales to relationship marketing is essential to improve customer retention and sustainable market growth.

Pemberian Literasi Asuransi Kepada Guru di Jakarta Alvernia Kurniartha; Wahyuari Wahyuari
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 10 No. 2 (2025): IJEEM: Indonesian Journal of Environmental Education and Management Volume 10
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v10i2.59062

The insurance industry plays a crucial role in the economy. It plays an active role and drives other financial industry groups, such as banking. The insurance industry and the banking industry are linked through investment, credit risk management, payment systems and transaction flows, as well as joint product collaborations obtain benefit to both parties. The Strategic Program in the Insurance Roadmap optimizes the connectivity between insurance and banking to provide benefits to customers and the societies. In fact, the societies is more comprehensively familiar with the banking industry than the insurance industry. People prefer to protect their finances by saving and investing through banks. Data from National Financial Literacy Survey (SNLKI-2024) conducted by Otoritas Jasa Keuangan (OJK) and Badan Pusat Statistics (BPS) shows a gap of 9.59% between the financial literacy index and the national financial inclusion index in 2023. This indicates that 9.59% of Indonesians who use financial products/services still lack of financial literacy adequate. Improving financial literacy and inclusion is crucial because adequate financial literacy impacts consumers' ability to understand the information they receive and assess the benefits and risks inherent in each financial product and service. STMA Trisakti Lecturer had completed Pengabdian kepada Masyarakat (PKM) activity during semester of 2024/2025 to provide insurance literacy to school teachers in Jakarta, considering school’s teachers is one of the targets of SNLKI Strategy (2021-2025) to get financial literacy. Insurance literacy through this PKM activity is expected to continue in further semester with the same or different target participants (in accordance with SNLKI targets). The purposes are to assist the Government in increasing national financial literacy rates/index, particularly insurance literacy. Hoped it will increase public awareness, regarding the importance of insurance and to support the national insurance growth. Keywords: National Financial Literacy and Inclusion Index, Insurance Literacy, Indonesian National Financial Literacy Strategy (SNLKI), STMA Trisakti, Community Service (PKM), Teachers.

Pemberian Literasi Asuransi Kepada Mahasiswa : InsurTech - Revolusi Perkembangan, Mekanisme dan Peluang Karir di Era Digital Alvernia Kurniartha; Wahyuari Wahyuari
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 11 No. 1 (2026): IJEEM: Indonesian Journal of Environmental Education and Management Volume 11
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v11i1.66465

The insurance industry plays an important role in supporting national economic stability and growth, including supporting the banking sector through investment synergies, risk management, and product cooperation. However, public understanding of the insurance industry is still low compared to the banking sector. Data from the 2025 National Financial Literacy and Inclusion Survey (SNLIK) conducted by the OJK and BPS shows the insurance literacy index is 45.45% and insurance inclusion index is 28.50%. There is a gap, with the insurance literacy index 16.95% higher than the insurance inclusion index. However, the insurance literacy index remains below 50%. Therefore, regulators (OJK), insurance industry players, insurance associations, and Civitas Academica need to continue efforts to provide insurance literacy to the public to increase the insurance inclusion index. Furthermore, developing innovations, such as adopting and optimizing the use of technology in insurance operations and marketing, can also trigger the increasing of insurance inclusion in this digital era. Technological advances have created many new breakthroughs in the insurance business, named as Insurance Technology (Insurtech). Along with the development of Insurtech, new kind of jobs are emerging that require future human resources of digital insurance. For this reasons, lecturers at Sekolah Tinggi Manajemen Asuransi (STMA) of Trisakti conducted the activity of Pengabdian Kepada Masyarakat (PKM) by holding a digital insurance literacy and career preparation program for students. This activity aims to increase understanding of insurance (particularly digital insurance), promote insurance awareness, support the sustainable growth of the digital insurance industry, and provide students with information on how to prepare for work in digital insurance. Keywords: SNLIK 2025, Insurance Literacy, Insurance Inclusion, Insurtech, Digital Insurance.

Implementasi The Celestial Management Pada Perusahaan Asuransi Syariah di Indonesia Alvernia Kurniartha; Syahrial Sidik; Wahyuari Wahyuari
IJEEM - Indonesian Journal of Environmental Education and Management Vol. 11 No. 1 (2026): IJEEM: Indonesian Journal of Environmental Education and Management Volume 11
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/ijeem.v11i1.66490

Implementasi POJK No. 11 Tahun 2023 yang mewajibkan pemisahan unit usaha syariah (spin-off) telah memaksa entitas untuk berdiri mandiri sebagai perusahaan full-fledged, termasuk industri Asuransi Syariah. Berdasarkan laporan Asosiasi Asuransi Syariah Indonesia (AASI), transisi ini menuntut kesiapan modal dan penguatan tata kelola yang jauh lebih kokoh dibandingkan saat masih berbentuk unit usaha. Namun, industri ini dihadapkan pada tantangan berat berupa krisis kepercayaan publik akibat kasus gagal bayar pada beberapa perusahaan asuransi besar yang disebabkan oleh kesalahan kelola investasi dan lemahnya pengawasan etika internal. Kepatuhan syariah secara formal saja tidak cukup, diperlukan integrasi nilai-nilai etik yang mendalam untuk menjamin keberlanjutan bisnis. The Celestial Management (TCM) atau Manajemen Langit menawarkan paradigma manajemen berbasis spiritualitas yang mengintegrasikan pilar 3W: Worship, Wealth, dan Warfare dan masing-masing nilai utama yang diturunkannya adalah Zero Base, Iman, Konsisten, Result Oriented (ZIKR); Power, Information, Knowledge, Reward (PIKR) dan Militan, Intelek, Kompetitif, Regeneratif (MIKR) sebagai indikator yang dapat menjadi parameter yang tepat dalam mengukur praktek spiritual manajemen dan sebagai landasan operasional perusahaan. Hal tersebutlah yang melatar-belakangi penelitian ini. Tujuan penelitian adalah : untuk mengetahui apakah TCM sudah diimplementasikan dalam manajemen Perusahaan Asuransi Syariah full-fledged di Indonesia? dan untuk mengetahui bagaimana profil implementasi pilar ZIKR, PIKR, dan MIKR pada perusahaan asuransi syariah full-fledged di Indonesia dan disparitas penerapan nilai-nilai tersebut mempengaruhi kualitas tata kelola di tengah tantangan krisis kepercayaan industri asuransi saat ini. Penelitian ini menggunakan metode kuantitatif deskriptif. Responden adalah karyawan dari 8 (delapan) sampel Perusahaan Asuransi Syariah Jiwa dan Umum (full-fledged), dengan total 100 responden mengisi kuisioner yang didesign menggunakan skala Guttman. Hasil penelitian menunjukkan bahwa rata-rata skor dari pengukuran 3 indikator TCM adalah 92,79%, yang artinya bahwa Perusahaan sudah sepenuhnya mengimplementasi-kan konsep TCM. Sedangkan implementasi indikator PIKR (Wealth) memiliki rata-rata skor terendah (89,20%) dibandingkan 2 variabel lainnya, terutama 1 (satu) Perusahaan yang skor PIKR-nya masih 70.0%. Ini menunjukkan bahwa aspek spiritualitas dalam konteks "distribusi kemakmuran" masih perlu diperkuat lagi. Selain itu, 2 dari 8 sampel Perusahaan (25%) memiliki skor di bawah 90%, diharapkan untuk melakukan evaluasi pada implemensistem Reward Distribution dan Information Sharing (bagian dari PIKR) agar selaras dengan prinsip manajemen langit.

Systematic Literatur Riview: Strategi Penguatan Kualitas Agen Untuk Memajukan Pangsa Pasar Asuransi Umum Di Indonesia syahrial Sidik; Wahyuari Wahyuari; M. Nasyubun
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 3 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i3.10532

The general insurance industry in Indonesia faces the challenge of low market penetration (below 4%) due to minimal risk literacy and public trust. Insurance agents play a central role as educators and bridges of trust, but strategies to strengthen their position in emerging markets have not been explored holistically. This study aims to formulate strategies to strengthen agent quality in order to advance market share through a Systematic Literature Review (SLR) method using the TCCM (Theory, Context, Characteristics, Methodology) framework. Using the PRISMA 2020 protocol, this study selected 1,000 articles from the Google Scholar and Emerald Insight databases (2016–2026), resulting in 30 relevant final articles. The analysis results show a surge in post-pandemic research interest and a dominance of studies from emerging market contexts that emphasize the “Phygital” (Physical + Digital) approach. This study proposes the “Hybrid-Trusted Agent” model, which integrates digital competence, ethical behavior, and technical expertise as key determinants of market performance. In conclusion, the transformation from transactional sales to relationship marketing is essential to improve customer retention and sustainable market growth.

Title

Found 20 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 20 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 20 Documents
Search