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Strategi Meningkatkan Pertumbuhan Pembiayaan Konsumer Griya Di Bank Syariah Indonesia Area Jakarta Fatmawati Sarma, Ma'mun; Aminah, Mimin; Yoana Emilio
MANAJEMEN IKM: Jurnal Manajemen Pengembangan Industri Kecil Menengah Vol. 20 No. 1 (2025): Manajemen IKM
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/mikm.20.1.16-24

Abstract

Bank syariah berkontribusi pada sektor properti dengan memberikan pembiayaan kepemilikan rumah syariah (KPR Syariah). Produk pembiayaan kepemilikan rumah di bank syariah disebut Pembiayaan Griya. Tujuan penelitian ini adalah (1) Mengidentifikasi profile nasabah yang memilih pembiayaan konsumer Griya Bank Syariah Indonesia; (2) Menganalisa hubungan antara karakteristik pribadi dengan faktor-faktor yang dipentingkan; (3) Menganalisis faktor-faktor lingkungan eksternal dan internal yang memiliki implikasi terhadap pertumbuhan pembiayaan konsumer Bank Syariah Indonesia; (4) Memformulasikan strategi bisnis yang sesuai dengan faktor lingkungan eksternal dan internal Bank Syariah Indonesia; dan (5) Menentukan prioritas strategi bagi pertumbuhan pembiayaan konsumer yang dapat diimplementasikan oleh Bank Syariah Indonesia. Bank Syariah yang dipilih untuk studi kasus ini adalah PT Bank Syariah Indonesia Tbk., karena merupakan bank syariah terbesar di Indonesia dengan aset Rp371 triliun per September 2024. Lokasi sampel yang diambil adalah Kawasan Fatmawati Jakarta. Metode penelitian yang digunakan adalah tabulasi silang, matriks SWOT, dan QSPM. Metode tabulasi silang digunakan untuk menganalisis hubungan antara karakteristik pribadi dengan faktor-faktor penting, dilanjutkan dengan analisis deskriptif dan kuantitatif yang terdiri dari matriks internal factor evaluation (IFE), matriks external factor evaluation (EFE), matriks internal-external (IE), matriks strengths, weaknesses, opportunities, dan threaths (SWOT). Hasil Matriks IE Bank Syariah Indonesia Area Fatmawati Jakarta berada pada kuadran IV dengan matriks IFE sebesar 3,077 dan matriks EFE sebesar 2,961. Hasil ini menempatkan strategi pemasaran pada sel IV yang disebut strategi pertumbuhan dan pembangunan, sel kuat untuk matriks IFE dan sel tinggi untuk matriks EFE. Dalam posisi ini, perusahaan dimungkinkan untuk melakukan strategi intensif dan strategi integratif.
THE ROLE OF THE TOURIST INFORMATION CENTER (TIC) OF SOEKARNO HATTA AIRPORT IN THE CHOICE OF TOURIST DESTINATIONS BASED ON TOURIST CHARACTERISTICS AND SERVICES Setiawan, Agung; Munandar, Jono M.; Sarma, Ma’mun
Jurnal Aplikasi Manajemen Vol. 18 No. 4 (2020)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2020.018.04.06

Abstract

Tourist destination information is an important element in tourism promotion and marketing. The need for tourism facilities that can respond to problems related to the availability of tourism information and at the same time play a role in tourism promotion and marketing activities of a tourist destination requires the presence of a Tourism Information Center/TIC. Tourist Information Center (TIC) activities are service activities with the core being the delivery of tourist information. This research is exploring the three previous research conducted by Brady Cronin (2001), Gronroos (2000), and King (1987), which aims to investigate the optimization of TIC services. Sampling in this study was 175 respondents. Data processing uses SPSS and Structural Equation Modeling (SEM) AMOS 24. Service users were predominantly male, with an age range of 26-35 years, and the majority of undergraduate education, occupational status was dominated by private employees. While natural wonders become the main choice of tourists and the length of stay between 8-14 days. The main purpose of tourists visiting the TIC to get tourism information and transportation information. Whereas the tourist objects most favored by tourists are natural wonders and adventure wonders. Furthermore, the results of TIC service analysis show that physical environment quality, interaction quality, outcome quality affect service user satisfaction, while E-Technology quality does not affect service user satisfaction.
Analisis Repurchase Intention Produk Skincare Lokal melalui Live Commerce TikTok dengan Customer Satisfaction sebagai Variabel Intervening Fajriah, Niftira; Sarma, Mamun
Jurnal Manajemen dan Organisasi Vol. 16 No. 1 (2025): Jurnal Manajemen dan Organisasi
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jmo.v16i1.62596

Abstract

The development of the internet has brought significant changes to business activities, leading to the emergence of e-commerce. E-commerce continues to evolve and innovate, resulting in live commerce platforms, one of which is TikTok. The rising popularity of TikTok live commerce has caused a shift in consumer behavior, particularly in the skincare industry. This also creates new challenges for skincare businesses to achieve customer satisfaction and encourage repurchase intention. This study aims to understand the characteristics of TikTok users and how live streaming and promotions affect repurchase intention, with customer satisfaction as an intervening variable. This quantitative research obtained primary data from questionnaires distributed to 130 respondents in the Jabodetabek area and analyzed using the SEM-PLS method. The results show that live streaming and promotions have a positive and significant impact on repurchase intention through customer satisfaction as an intervening variable.
READER'S MOTIVATION AND BEHAVIOR TOWARD LECTURER'S DECISION IN CONSUMING MEDIA Ariani, Annestie; Sarma, Ma'mun; Najib, Mukhamad
Jurnal Aplikasi Manajemen Vol. 15 No. 3 (2017)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (356.74 KB) | DOI: 10.21776/ub.jam.2017.015.03.05

Abstract

Today print media face serious problem. Technology advances in communication and information sector has caused online media grow rapidly replacing the function of print media. The growth of online media caused some print media industries change their product into the online version, even some of them stop producing. This study aims to see the influence of online media towards the consumption of print media from the consumers'point of view. This study was conducted in Institut Pertanian Bogor with 92 lecturers as respondents. Proportional random sampling technique was used in this study. Structural Equation Model based on SMART Partial Least Square v2.0 with four latent variables which were reader's motivation, behavior of reading print media, behavior of reading online media, and media consumption decision were used in this study to analyze the data. The result of the analysis showed that (1) reader's motivation directly had significant effect on reader's consumption decision, (2)reader's motivation directly had significant effect on behavior of reading print media, (3 )reader's motivation had significant effect on behavior of reading online media, and (4) behavior of reading print media had insignificant effect on the media consumption decision (5) behavior of reading online media had insignificant effect on the media consumption decision.
DIGITAL MARKETING ADOPTION AND THE INFLUENCES TOWARDS BUSINESS SUCCESSES OF MSMEs CREATIVE SECTOR IN INDONESIA AND MALAYSIA Afifah, Aisyah Nur; Najib, Mukhamad; Sarma, Ma'mun; leong, yee choy
Jurnal Aplikasi Manajemen Vol. 16 No. 3 (2018)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (309.292 KB) | DOI: 10.21776/ub.jam.2018.016.03.01

Abstract

This research is to identify which factor affecting business success from digital marketing by MSMEs Creative Sector in Indonesia and Malaysia.Data processing and analysis methods in this research are Descriptive Analysis, employing SEM with PLS approach, and quantitative data were mainly investigated. The conclusion of this research are the factor which significantly affects the success of digital marketing uses is knowledge, knowing its benefits can provide more benefits for the future of their businesses.This research is expected to produce knowledge relevant to factors affecting the success of digital marketing benefit towards business success in MSMEs creative sector. The next researcher is expected to examine more respondents and wider research area, and this research is expected to give contribution and references to related institutions.
Kajian Perkembangan Koperasi Simpan Pinjam Bina Swadaya Nusantara dan Usaha Mikro Perempuan Binaannya dengan Model ASA Enifri, Edwin; Zakaria, Fransisca Rungkat; Sarma, Ma’mun
Jurnal Aplikasi Manajemen Vol. 14 No. 2 (2016)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (106.69 KB) | DOI: 10.18202/jam23026332.14.2.06

Abstract

Abstract: Center for Micro Finance Development of Bina Swadaya has adopted ASA (Association for Social Advancement) model for servicing its women microcredit beneficiaries. After 12 year of services, there is a presumptions that ASA model has influence towards the development of saving and loan Cooperative Bina Swadaya Nusantara and also the development of its woman microbusiness clients. The aims of this study: 1) to analyze the performance of saving and loan Cooperative Bina Swadaya Nusantara in implementing ASA model, 2) to analyze the development of micro business conducting by women beneficiaries of saving and loan Cooperative Bina Swadaya Nusantara, 3) to analyze the impact of ASAmodel micro credit service towards the development of microbusiness, and 4) to identify factors which influence the development of micro business using ASA model run by Saving and Loan Cooperative Bina Swadaya Nusantara. The methodology of this study used correlational descriptive explanative survey with qualitative and quantitative approaches. Samplingtechnique used proportionate method by limitation of every region based on the quota, in accordance with a population that is in the region. This study used descriptive analysis and multiple linear regression. The result shows that there has been a significant effect on both saving and loan CooperativeBina Swadaya Nusantara and its women micro business.The factors which have very significant and significant effects, are: micro business's characteristic and micro business services knowledge. Whereas, the Credit Officer (CO) and the business environment have no significant effect.
Gender Relations and Subjective Family Well-being among Farmer Families: a Comparative Study Between Uplands and Lowlands areas in West Java Province, Indonesia Puspitawati, Herien; Faulkner, Paula; Sarma, Ma'mun; Herawati, Tin
Journal of Family Sciences Vol. 3 No. 1 (2018): Journal of Family Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jfs.3.1.53-72

Abstract

The objectives of this study are described as follows: (1) To examine the conditions of social, economic and demographic characteristics of poor farmer families who live at uplands and lowlands areas, (2) to describe the social-cultural and agroecosystem conditions of poor farmer families who live at uplands and lowlands areas, (3) To explain type of gender relations of poor farmer families who live at uplands and lowlands areas, and (4) to analyze factors that influenced subjective family well-being of poor farmer families who live at uplands and lowlands areas. The chosen research sites were Nanggung Sub-district, Bogor District as an upland area, and West Teluk Jambe Sub-district, Karawang District, West Java Province as a lowland area. The total of 189 farmer families was used for this study (n= 90 in uplands district areas, and n= 99 in lowlands district areas). It was found that the conditions of social-cultural and agroecosystem differ between upland and lowland areas. In general, both upland and lowland areas gender roles on farming activities, in terms of access and control to agricultural resources, were dominated by men. Family well-being was directly influenced by higher education of husband and wife, indirectly influenced by less economic pressure of the family, directly influenced by higher gender relations between husband and wife, and directly influenced by less or higher external support. Thus, wealthy farmer families were the family that had educated husband and wife, less economic pressures, equal gender relations and partnerships, and less or more receive external supports. It is recommended that the next study should add variables of family coping strategies related to family economic pressure and gender roles between husband and wife.
The Relationship Between Dimensions of the Family Quality Index Provincial Level Throughout Indonesia in 2021 Puspitawati, Herien; Sarma, Ma'mun; Sutarman, Deddy Cahyadi; Septiana, Maya; Cahayani, Octaria Intan
Journal of Family Sciences Vol. 8 No. 2 (2023): Journal of Family Sciences
Publisher : Department of Family and Consumer Sciences, Faculty of Human Ecology, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jfs.v8i2.50245

Abstract

The Family Quality Index (IKK) measures the success of family development in Indonesia, and can be used as a basis for planning and indicators of successful family development at the central, provincial/regional, and regency/city levels. The objectives of the study were to analyze (1) the Cronbach’s alpha reliability test and the content validity of IKK indicators, (2) the achievements of IKK at the provincial and national levels, and (3) the relationship between indicators and dimensions of IKK. The research method is a quantitative analysis of BPS secondary data for 2021. Cronbach’s alpha was 0.50, and content validity was between 0.03 and 0.77. The provincial IKK score in 2021 range from 65.16 to 76.80, with a national achievement score of 73.43. Three provinces were included in category 3, namely "quality of gender-responsive families" and 31 other provinces were included in category 2, namely "quality of sufficiently gender-responsive families.” There were positive relationships between the dimensions of structural legality and socio-psychological resilience and between the dimensions of structural legality and sociocultural resilience. Furthermore, there were positive relationships between the dimensions of physical resilience and economic resilience, and between the dimensions of physical resilience and sociocultural resilience. The research implications showed that the potential problems of families at the provincial level were used as inputs in preparing action plans at the national and provincial levels.
Pentingnya Kebijakan Pembangunan Keluarga Menyongsong Era Indonesia Emas Tahun 2045 Puspitawati, Herien; Sarma, Ma'mun; Septiana, Maya; Irzalinda, Vivi
Policy Brief Pertanian, Kelautan, dan Biosains Tropika Vol 5 No 2 (2023): Policy Brief Pertanian, Kelautan dan Biosains Tropika
Publisher : Direktorat Kajian Strategis dan Reputasi Akademik IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agro-maritim.0502.521-527

Abstract

Rekomendasi policy brief ini adalah pentingnya kebijakan pembangunan keluarga menyongsong Era Indonesia Emas Tahun 2045. Di era Indonesia Emas diharapkan kebijakan keluarga dapat mendampingi dan memfasilitasi keluarga Indonesia dalam mencapai kesejahteraannya dengan berbagai tantangan kondisi yang ada. Oleh karena itu perlu penyusunan usulan rancangan program/kegiatan yang sistematis, sustainable, berurutan, terintegrasi dan holistik dalam pencapaian Keluarga Berkualitas Berkesetaraan Gender Tahun 2045 melalui penguatan nilai-nilai luhur Bangsa Indonesia mulai dari periode 2025-2029, 2030-2034, 2035-2039, dan 2040-2045. Model ini mengupayakan prinsip-prinsip keseimbangan pemenuhan kebutuhan keluarga materi dan non materi; pemantapan landasan nilai-nilai luhur Bangsa Indonesia; pemenuhan kebutuhan pekerjaan dan keluarga; pemenuhan kebutuhan individu/diri sendiri-orang lain dan keluarga serta masyarakat; pemenuhan kebutuhan balanced gender values; pemenuhan kebutuhan alam sekitar mulai dari pekarangan/halaman rumah sebagai antisipasi perubahan iklim; dan pemenuhan kebutuhan tujuan individu dan keluarga dalam jangka pendek, menengah dan panjang.
THE EFFECT OF MARKET ORIENTATION AND ENTREPRENEURIAL MARKETING ON MARKET PERFORMANCE AND BUSINESS SUSTAINABILITY OF BAG CRAFT MSMES Putranto, Eko Aji; Sarma, Ma'mun; Munandar, Jono Mintarto
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 12 No. 2 (2023): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v12i2.61982

Abstract

This study aims to investigate the effect of market orientation and entrepreneurial marketing on market performance, as well as the effect of entrepreneurial marketing and market performance on business sustainability of bag craft micro, small, and medium enterprises (MSMEs). This study was conducted using a descriptive-quantitative method, with eighty bag craft entrepreneurs serving as research participants. Questionnaires were used to collect data from the research participants over a period of thirty days. The data was analyzed using descriptive analysis and the structural equation modeling-partial least square (SEM-PLS). The results show that the market orientation and entrepreneurial marketing have a significant effect on the market performance, and so does the market performance on the business sustainability. However, the entrepreneurial marketing has no significant effect on the business sustainability. These findings imply that both market orientation and entrepreneurial marketing are essential determinants of the market orientation. Thus, the bag craft entrepreneurs must address these issues.JEL: M30, M31.
Co-Authors A. Faroby Falatehan A.A. Ketut Agung Cahyawan W Abdi Musra Abdul Kohar Irwanto Adi Hadianto Adiwiguna, Reza Hadim Afifah, Aisyah Nur agung setiawan Agus Setiyono AIDA VITAYALA HUBEIS Aida Vitayala S Hubeis Alfarisi, Mochamad Bimo Aminah, Mimin Amiruddin Saleh Amri Jahi Amrizal Yusri Anna Fatchiya Annisa Yulia Handayani Aprilia Kusumastuti Ariani, Annestie Ario Damar Aropah, Vina Da'watul Bambang Juanda Bella Nandita Bibi Arfanly BIRYANTO BIRYANTO BIRYANTO, BIRYANTO Budi Suharjo Cahayani, Octaria Intan Dadan Moh Ramdan Darwin Kadarisman Darwis S Gani Deranti, Serly Dewi Sinta Kusumawardani Dewi, Farida Ratna Dhina Ermayani Djoko Susanto Djuara P Lubis Dwi Rachmina Edi Sukardono Edward H Siregar Efan Septian Saputra Eko Ruddy Cahyadi Eko Rudy Cahyadi Eko Warisdiono Enifri, Edwin Enny Sjafrida Marpaung Evy Damayanthi Evy Fausiah Fahriza Fahriza Fahrizal Sukma Fajriah, Niftira Faqih Udin dan Jono M. Munandar Meivita Amelia Faulkner, Paula Fikhi Nayatul Azmi Furqon Syarief Hidayatulloh Gea Wahyu Syahrinnisa Gustawan Rachman Hakim, Mukhtar Harianto Harianto Harryanto, Harryanto Hartrisari Hardjomidjojo Hasanah, Hibatul Hasim Heny K Daryanto Heri Suprayitno Herien Puspitawati HUBEIS, AIDA VITAYALA I Gusti Putu Purnaba I Made Sumertajaya I.N. Purnama Idqan Fahmi IPB, DGB Irni Rahmayani Johan Ismail Pulungan Januri, Januri Ketsia Aprilianny Laya Komar Sumantadinata KRISHNARINI MATINDAS Kurnia, Feby Lala M Kolopaking Lena Puspa Aswara leong, yee choy Lukman M Baga Lukman M. Baga M Agus Setiadi M. Najib Mappamiring Mappamiring Mariati Tamba MATINDAS, KRISHNARINI Merdiwijaya, Bagus Mintarto Munandar, Jono Muh Faturokhman Muh Hatta Jamil Muhammad H Q Muchransyah Muhammad Syamsun Muhammad Syamsun Muhammad Syamsun Mukhamad Najib Munandar, Aris Musa Hubeis Nafisah, Lu'lu' Atun Nahrowi Nanda Nur Rafiana Naomi Dongoran Netasari Khadijah Ninuk Purnaningsih Nugroho, Bagus Dwi Nunung Kusnadi Nurul Hidayati Nurullah Sururi Afif Oktariza, Wawan Pang S Asngari Prasetyo, Anggari Puji Winarni Purwiyatno Hariyadi Putra, Teguh Putranto, Eko Aji Putri, Christria R Rizki Andhitya Yunanto R. Sapto Hendri Boedi Soesatyo Ramadhan, Yusuf Rizwan Nazaruddin Ronald Giok Tampubolon Roy Dharma Muliawan Rusidi Ansyari Harahap Salwa Inaayatullah Fannani Sapta Raharja Sapta Raharja Satria, Yuki Sau, Fatimah Sembiring , Indra Refipal Septiana, Maya Setio Pramono Shafira, Nabilla Silfia, Anna Siti Leny Puspasari Sjafri Mangkuprawira Slamet, Alim Setiawan Soenarmo Hatmodjosoewito Soesetyo Priharjanto Soewarno T Soekarto Sofia Ramadhani Sri Bawono Sri Hartoyo Sri Purwaningsih, Sri Stevia Septiani Sudradjat Sudradjat Sudradjat Sumiati Suria Darma Tarigan Suryahadi (Suryahadi) Susilo Wibowo Sutarman, Deddy Cahyadi Syamsidar Syamsidar Syamsul Hilal Tetiana Maksymchuk Tiara Aprilia Hernanda Tien Herawati Tin Herawati Ujang Sumarwan Ulfah Juniarti Siregar Vivi Irzalinda Wati, Sri Anggun Kemala Wijaya, Novita Frahesti Ade Wilson H. Limbong Wilson Halomoan Limbong Wini - Trilaksani Yoana Emilio Yusman Syaukat Zakaria, Fransisca Rungkat