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All Journal JURNAL BISNIS STRATEGI JURNAL SAINS PEMASARAN INDONESIA Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management Jurnal Ilmiah Ekonomi Islam Jurnal REKOMEN (Riset Ekonomi Manajemen) Syntax Literate: Jurnal Ilmiah Indonesia Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal of Science and Society (IJSOC) Proceeding ISETH (International Summit on Science, Technology, and Humanity) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Return : Study of Management, Economic and Bussines e-Jurnal Apresiasi Ekonomi Research Horizon Economic and Business Horizon
Susilo Toto Raharjo
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Social Sciences Other

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The Effect of Transformational Leadership Values on Worker Performance Sidik, M. Sayid Nugraha; Desywan, Eko; Raharjo, Susilo Toto; Pradana, Mirwan Surya
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.416

Abstract

This study examines the impact of transformational leadership values on employee performance, specifically focusing on Relationship Managers (RMs) and RM KPPs within the Yogyakarta Regional Office. Amid the post-COVID economic recovery, banking lending performance in the consumer sector, particularly in property financing, has shown promising growth. This is evidenced by increasing demand for commercial and FLPP property loans, supported by government policies such as tax incentives and FLPP housing procurement initiatives. Despite this potential, challenges remain, including suboptimal achievements in key performance indicators such as outstanding mortgage realization (93.01%) and unmet targets for Special Attention and Non-Performing Loan (NPL) reductions as of October 2024. The study explores how transformational leadership values—such as inspiration, motivation, potential development, and empowerment—impact RMs’ productivity and efficiency in achieving consumer credit targets. Employing a mixed-method approach, the research combines surveys and interviews with RMs in the Yogyakarta Regional Office, using instruments to assess perceptions of leadership styles and their influence on performance. Findings are expected to provide actionable insights for developing leadership training programs aimed at optimizing team performance. Additionally, the study offers strategic recommendations for the banking sector to enhance leadership effectiveness, driving consumer credit growth and improving overall productivity in the Yogyakarta Regional Office.
The Role of Strategic Leadership in the Profitability of BRI Bank Work Units Sulistiyarso, Heru; Zulmi, Wiltomi Berkat; Raharjo, Susilo Toto
Research Horizon Vol. 4 No. 6 (2024): Research Horizon - December 2024 (Thematic Issue)
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.4.6.2024.418

Abstract

This study aims to analyse the role of the BRI Bank Branch Office Head's leadership strategy in influencing the profitability of the work units they lead, with a focus on the BRI Jakarta Regional Office. Facing the challenges of tight competition in the banking industry, leadership strategy at the branch level is a key factor in achieving profit targets and business desires. Through a qualitative approach with a case study method, this study collected data through in-depth interviews and document analysis from several Branch Offices in Jakarta. The results of the study indicate that adaptive leadership, team management skills, and understanding of local market conditions are important elements in maintaining Branch profitability. These findings are expected to provide insight into the development of leadership strategies in the Indonesian banking sector, especially in improving the effectiveness of Branch leaders in achieving financial organization targets.
Revealing the Vital Role of MSMEs in Community Workforce Empowerment Kautsar, Namal; Maulana, Denny; Mahfudz, Mahfudz; Raharjo, Susilo Toto
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.443

Abstract

Empowering the regional economy through the development of micro, small, and medium enterprises (MSMEs) plays a vital role in fostering inclusive and sustainable economic growth at the local level. This research investigates the success and challenges faced by MSMEs in Thamrin City, focusing on strategies to enhance their development and contribute to local economic empowerment. Employing a descriptive approach, the study analyzes employment trends within MSMEs from 2019 to 2023, complemented by interviews with MSME owners and key stakeholders. The findings reveal that while MSMEs in Thamrin City face significant challenges such as limited access to funding, restricted market reach, and resistance to innovation, these hurdles can be addressed through strategic initiatives. Strong human resource (HR) capabilities, coupled with effective marketing strategies, are identified as critical factors in enabling small businesses to overcome these barriers and achieve sustainable growth. The study contributes to a deeper understanding of the pivotal role that MSMEs play in supporting regional economic development. It highlights the necessity of targeted empowerment policies and initiatives to facilitate the expansion of small businesses, which, in turn, enhances community well-being. By focusing on capacity-building and market development, stakeholders can create an environment that fosters the resilience and competitiveness of MSMEs. This research underscores the need for collaborative efforts between governments, financial institutions, and local communities to unlock the full potential of MSMEs as drivers of economic progress and social inclusion.
The Impact of Digital Banking on Millennials' Financial Decision Making Rozaki, Deki; Sarjono, John; Raharjo, Susilo Toto; Perdhana, Mirwan Surya
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.449

Abstract

This study examines the impact of digital banking on the financial decision-making processes of millennials, addressing key challenges and opportunities. Through a mixed-methods approach, including surveys and interviews, we explore how accessibility, financial literacy, and behavioural patterns are shaped by digital banking tools. Our findings reveal that digital banking significantly enhances financial engagement among millennials, leading to more informed decisions and improved financial literacy through integrated educational resources. However, it also highlights a tendency toward impulsive spending and a lack of understanding of complex financial products. These dual influences underscore the need for financial institutions to develop user-friendly platforms that promote responsible financial behaviours. This research contributes to the understanding of how digital banking can be leveraged to support effective financial decision-making in a tech-savvy generation.
Marketing Relations Performance Behavior in Value Chain Based Credit Initiative Utomo, Bagus Satrio; Widoningrum, Luluk Nastiti; Raharjo, Susilo Toto; Sukresna, I Made
Research Horizon Vol. 5 No. 1 (2025): Research Horizon - February 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.1.2025.458

Abstract

Value Chain Financing (VCF) is a financing approach that leverages financial instruments, practices, and technology to optimize the management of working capital and liquidity throughout the value chain process, involving the parent company, supplier companies, distributors, or agents as end users. By effectively utilizing data, Bank BRI can enhance its financial performance, strengthen its competitive position, and deliver added value to customers. For the marketing staff at Bank BRI in the Jakarta 2 Regional Office, particularly in the context of the retail loan business, this database plays a pivotal role in formulating strategies to improve performance in credit initiatives based on the Value Chain database. In the retail loan sector at Bank BRI, the value chain database significantly contributes to improving efficiency, effectiveness, and service quality. This study adopts a qualitative approach to explore and gain insights into the marketing performance behavior at the Jakarta 2 Regional Office, specifically in relation to the execution of value chain-based credit initiatives. The aim of this research is to examine how the Value Chain Database can enhance the performance of the marketing staff at Bank BRI in the Jakarta 2 Regional Office, enabling them to devise strategies that improve marketing outcomes, supported by value chain-based credit initiatives.
Designing an Optimal Education and Training Model for Relationship Manager BRIguna BRI West Indonesia Region Baskoro, Fajar; Pancakusuma, Muhammad Bayu; Raharjo, Susilo Toto
Research Horizon Vol. 5 No. 2 (2025): Research Horizon - April 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.2.2025.473

Abstract

The rapid advancement of digital technology and shifts in consumer behavior have driven the banking industry, including Bank Rakyat Indonesia (BRI), to adapt by enhancing the capabilities of its human resources (HR). In this context, it is crucial to develop an effective education and training framework for BRI employees, particularly RM Briguna, to remain competitive in the digital era. This study focuses on assessing the education and training requirements of RM Briguna employees in the digital age and creating a tailored model that meets the specific needs of workers, especially those in western Indonesia. Using a qualitative methodology, the research incorporates a literature review analyzing various training models utilized in the banking sector and examines best practices in HR development. The findings highlight that effective training approaches include competency-based programs, on-the-job training, e-learning, blended learning, and gamification. Each model presents distinct benefits and limitations, which must be carefully evaluated during the design process. An analysis of existing training initiatives reveals a need for updates in curricula and methods to align with industry demands and emerging technological trends. The ideal education and training framework should prioritize flexibility, innovation, and alignment with employees' unique needs. Strategic investment in HR development and collaboration with educational institutions will play a vital role in equipping BRI to tackle digital-era challenges. By implementing an optimized training model, BRI can cultivate a skilled and adaptable workforce—particularly RM Briguna in western Indonesia—capable of driving the company’s growth and success.
Analisis Efektivitas Perusahaan Perspektif Ekonomi Islam (Studi Multi Kasus Pada Perusahaan Pengolahan Udang di Provinsi Jawa Tengah) Sari, Rizka Farikha; Raharjo, Susilo Toto
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

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

Abstract

Dhoopar introduced an integrated conceptual model of organizational effectiveness (OE) that considers the levels of antecedents (individual, group, and organizational) as well as measures of (financial, operational, structural, and attitudinal). This research aims to analyze company effectiveness using that model through a multi-case study of shrimp processing companies in Central Java Province. This research uses a qualitative methodology. The findings of this study can help decision makers and stakeholders in adopting, designing and implementing proactive internal control systems to improve operational efficiency, effectiveness and competitive advantage. Because this research concentrates on fish processing companies that have different characteristics, the generalizability of the conclusions may be limited.
Analisis Model Bisnis Untuk Brand Skincare Dalam Upaya Menciptakan Keunggulan Bersaing Konteks Ekonomi Islam (Studi Pada Brand Lamooi Beautycare) Oktavani, Tiara Siska; Raharjo, Susilo Toto
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.8640

Abstract

This research aims to conduct a business model analysis of Lamooi Beautycare, a newcomer to the highly competitive skincare industry. Despite receiving positive recognition from customers, Lamooi Beautycare faces the challenge of establishing a competitive edge amidst the dynamic skincare market. The study seeks to identify internal and external factors influencing the current skincare industry and formulate business development strategies that enhance the company's competitive advantage. The research methodology employs a qualitative approach with a case study design. Sampling in this study used purposive sampling. In this research, the informants used as research subjects were the Beauty Company/Brand, namely Lamooi Beautycare, with 3 respondents, namely the owner of the beauty brand to be researched, a marketing employee, and an admin. The Resource-Based View (RBV) framework will be utilized to analyze internal factors, complemented by the Five Forces Porter framework for the analysis of external factors. Additionally, the study will incorporate the Business Model Canvas (BMC) to formulate a comprehensive business development strategy. Through this analysis, the research aims to provide a profound understanding of the skincare industry's dynamics, evaluate critical factors influencing Lamooi Beautycare's success, and develop precise strategies to achieve competitive advantage. By gaining a better understanding of internal and external factors, Lamooi Beautycare is expected to optimize its internal potential, leverage market opportunities, and navigate competitive challenges, ultimately realizing its vision and mission while expanding its business in this fiercely competitive era. The existing strategy that is/has been implemented by the owner of the Lamooi Beautycare Brand is in accordance with the nine elements in the Business Model Canvas, namely, Customer Segments, Value Propositions, Customer Relationships, and Key Resources
Environmental, Social, and Governance Awareness and its Impact on Young Customer Loyalty on Bank Muhammad, Alvin Nur; Firman, Arif; Raharjo, Susilo Toto
Economic and Business Horizon Vol. 4 No. 2 (2025): May
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.2.2025.676

Abstract

In the era of sustainable finance, awareness of Environmental, Social, and Governance (ESG) principles significantly influences young bank customers, particularly Millennials and Generation Z, who prioritize sustainability. This study investigates the impact of ESG awareness on the loyalty of these young customers. Data were collected from 200 respondents aged 18–35 in urban areas and analyzed using multiple linear regression to evaluate how ESG dimensions environmental protection, social responsibility, and governance practices affect customer loyalty, including satisfaction, trust, and long-term commitment. A case study of Bank Rakyat Indonesia (BRI) Regional Office Padang illustrates how the bank’s ESG initiatives strengthen relationships with young customers and align with Indonesia’s sustainable development goals. The findings reveal a positive and significant relationship between ESG awareness and young customer loyalty, with social and governance factors exerting a greater influence than environmental aspects. This research provides valuable insights for financial institutions seeking to enhance their sustainability strategies and foster long-term customer engagement amid growing demands for social and environmental accountability.
The Effect of Retailer Awareness, Retailer Quality Perception, Retailer Relationship Quality on Customer Loyalty Mediated Customer Satisfaction (A Study of Perahu Salt Brands) Pratama, Febry Aditya; Raharjo, Susilo Toto
Return : Study of Management, Economic and Bussines Vol. 2 No. 10 (2023): Return : Study of Management, Economic And Bussines
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v2i10.170

Abstract

Salt is a basic need that is no less important than sugar. Almost every household needs consumption salt every day. The existence of salt in everyday life cannot be ignored. The problem that arises in this study is that in recent years sales at perahu salt have experienced fluctuating sales, some complaints about the services provided by Perahu salt principal sales are still unsatisfactory to retailers, especially wholesalers. The purpose of this study is expected to be used by company management as a reference to provide customer satisfaction through the services provided by the principal of the Perahu salt producer through retailer awareness, perceived retailer quality, relationship quality, customer satisfaction and customer loyalty. Quantitative data is taken directly from filling out questionnaires from shops, especially wholesalers in the Central Java area. The results showed that in order to increase customer loyalty in purchasing Perahu salt through retailers, Perahu salt customer satisfaction through retailers needs to be improved. Increasing Perahu salt customer satisfaction through retailers can be done through retailer awareness, perceived retailer quality and relationship quality. Retailers have a big role in driving sales of Perahu salt. When the retailer has the power where the customer realizes the existence of the retailer, the customer will want to make a purchase at the retailer, especially when the customer and the retailer have a good quality relationship such as the customer has a long transaction relationship with the retailer, then this will satisfy the customer more. When customers feel this satisfaction, there is an increase in customer loyalty where customers will want to continue making purchases.
Co-Authors Abdillah, Yan Achma Hendra Aditya Dharmawan, Aditya Agus Santoso Amie Kusumawardhani, Amie Andre, Rahardian Anjani, Hapsari Prawitasari Putri Apsyari, Firdha Arifin, Amrul Ariyani, Hilma Faza Arma, Aulia Augustia, Sekarani Yuteva Augusty Tae Ferdinand Awinda Lutfina Ratnasari Awinda lutfina Ratnasari, Awinda lutfina Darwanto Darwanto Dayrobi, Ahmad Desywan, Eko Durrotun Nafisah Fajar Baskoro Fajar Nugraha Fatahillah, Ryan Firman, Arif Harry Soesanto I Made Sukresna Indirasandi, Kartika Isti Irene Rini Demi Pangestuti Irsan, Arully Kadek Cahya Susila Wibawa Kautsar, Namal Luthfi, Muhammad Mahfudz Mahfudz Markus, Novita Lely Maulana, Denny Mirwan Surya Perdhana Muhammad, Alvin Nur Mustofa, Ikhsan N Nurhayati Oktavani, Tiara Siska Pancakusuma, Muhammad Bayu Parahita, Dyaksa Witsqa Poerbantoro, Heri Pradana, Mirwan Surya Prastowo, Dwi Ady Pratama, Febry Aditya Putra, Momahad Wahyudi Rozaki, Deki RR. Ella Evrita Hestiandari Sari, Bekti Pradina Sari, Rizka Farikha Sarjono, John Setia Iriyanto Sidik, M. Sayid Nugraha Suciningati Suciningati Suharnomo, S Suheri, Kasih Febrina Sukarnadi, Natalia Sulistiyarso, Heru Sutopo Sutopo Thauhid, Sandy Baytu Utomo, Bagus Satrio Wibowo, Mohamad Ari Widoningrum, Luluk Nastiti William, Maradong Enrico Winarsih, Fiqih Puji Yusano, Michael Yusuf Syahiir Habiibii Zakaria, Shandy Ibnu Zulmi, Wiltomi Berkat