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All Journal Syntax Literate: Jurnal Ilmiah Indonesia Management Studies and Entrepreneurship Journal (MSEJ) International Journal of Demos Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan International Journal of Science and Society (IJSOC) Journal of Artificial Intelligence and Digital Business Jurnal Ekonomi, Akutansi dan Manajemen Nusantara Jurnal Ilmiah Ekonomi dan Manajemen Neraca Manajemen, Akuntansi, dan Ekonomi Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies PESHUM Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Ujang Suherman
Universitas Buana Perjuangan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Social Sciences Other

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Analisis Pengambilan Keputusan Dalam Kendala Di UMKM Kasetrusak Dea Aulia; Intan Maelani; Ismail; Muhamad Jaenudin; Ujang Suherman
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 5 No. 2 (2025): December
Publisher : Penerbit Jurnal Indonesia

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

Abstract

Tujuan dari penelitian ini adalah untuk melihat bagaimana proses pengambilan keputusan menangani tantangan pemasaran pada UMKM Kasetrusak yang bergerak di bidang fashion di Karawang. Keterbatasan inovasi produk adalah masalah utama yang dihadapi UMKM ini, yang berdampak pada segmentasi pasar yang sempit dan strategi pemasaran offline yang tidak efektif. Penelitian ini dilakukan melalui pendekatan deskriptif kualitatif dengan pendekatan observatif. Dengan kepala toko outlet Kasetrusak sebagai informan utama, pengumpulan data dilakukan melalui wawancara terstruktur dan observasi langsung. Penelitian menunjukkan bahwa keputusan pemasaran UMKM Kasetrusak cenderung pragmatis dan berbasis pengalaman, dengan fokus pada optimalisasi strategi pemasaran seperti partisipasi dalam bazar dan pemanfaatan media sosial. Keputusan ini terbukti efektif dalam menjaga stabilitas penjualan dalam jangka pendek, tetapi belum mampu mengatasi masalah utama, yaitu kurangnya variasi produk. Hasil penelitian ini menunjukkan bahwa selain intensitas promosi, keberhasilan pemasaran juga ditentukan oleh inovasi produk yang berkelanjutan. Untuk memperluas segmentasi pasar dan meningkatkan daya saing UMKM Kasetrusak dalam jangka panjang, penelitian ini menunjukkan bahwa inovasi produk harus dikembangkan.
Analisis Pengambilan Keputusan Kendala Pada Umkm Semprong Amoundy Ahmad Rifai; Fajar Maulana; Rara Nuravni Oktavia; Salsabila Nelza Saputri; Ujang Suherman
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 3: April 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i3.14816

Abstract

Kunjungan ke industry termasuk dalam proses pembelajaran kontestual yang bertujuan memberikan siswa pengalaman langsung tentang dunia bisnis dan industry. Laporan ini Adalah hasil dari kunjungan ke UMKM Semprong Amoundy, sebuah usaha mikro kecil menengah yang fokus pada produksi camilan tradisional, khususnya kue Semprong. Dalam kegiatan ini, metode yang digunakan terdiri dari pengamatan langsung, perbincangan dengan pemilik usaha, dan pengumpulan dokumen-dokumen. Temuan dari kunjungan ini mengindikasikan bahwa UMKM Semprong Amoundy menerapkan metode produksi tradisional disertai dengan inovasi dalam rasa dan kemasan untuk menarik perhatian para konsumen. Selain itu, usaha ini juga memanfaatkan platform media social sebagai sarana untuk promosi dan penjualan. Berdasarkan hasil observasi dan wawancara, disimpulkan bahwa pengelolaan yang baik dan kreativitas dalam keberhasilan UMKM. Hasil dari kegiatan ini Adalah peningkatan pemahaman mengenai praktik bisnis secara langsung serta pentingnya pengembangan yang dimulai sejak awal. Pengalaman ini diharapkan dapat menjadi pengetahuan berharga dan inspirasi bagi peserta dalam mengembangkan ide-ide kewirausahaan serta kesiapan dalam menghadap tantangan di dunia bisnis di masa mendatang
Pengaruh Lingkungan Sosial dan Pengendalian Diri Terhadap Perilaku Keuangan: Studi Kasus Mahasiswa Manajemen UBP Karawang Angkatan 2021 Iis Rahayu; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.7726

Abstract

This study aims to analyze the influence of social environment and self-control on the financial behavior of students in the Management Study Program at Universitas Buana Perjuangan Karawang, Class of 2021. This research uses a descriptive quantitative approach. The population in this study consists of 412 students, with a sample size of 80 students selected using simple random sampling technique. Data was collected through an online questionnaire and analyzed using validity tests, reliability tests, classical assumption tests, and regression analysis.The results of the study show that the social environment significantly influences students' financial behavior. A positive social environment, such as support from family, peers, and the educational environment, shapes better financial habits. Students who are accustomed to being in an environment that provides examples of wise financial management tend to imitate these patterns in their daily lives. Additionally, self-control was also found to have a significant impact on students' financial behavior. Students with a high level of self-control are able to resist the urge to make impulsive purchases, manage their spending more systematically, and remain consistent in achieving long-term financial goals.Simultaneously, both of these variables contribute to students' financial behavior, with an R Square value of 0.679. This means that 67.9% of the variability in financial behavior can be explained by the social environment and self-control, while the remaining variance is influenced by factors outside the scope of this research model.
Pengaruh Literasi Keuangan, Gaya Hidup dan Financial Technology Terhadap Perilaku Keuangan pada Mahasiswa Universitas Buana Perjuangan Karawang Pebi Pebrianti; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7747

Abstract

The purpose of this study was to analyze the influence of financial literacy, lifestyle, and financial technology on financial behavior in students of Universitas Buana Perjuangan Karawang. The method used is quantitative research with a descriptive verification approach, involving 100 students of Universitas Buaan Perjuangan Karawang as a sample taken through purposive sampling techniques. Data were collected through online questionnaires and multiple linear regression analysis. The results of the study indicate that financial literacy and financial technology have a positive and significant effect on financial behavior, while lifestyle has no effect on financial behavior. The results of financial literacy, lifestyle, and financial technology simultaneously have an effect on financial behavior with a determination coefficient showing 40.6% of the variation in financial behavior is influenced by the three independent variables. This study concludes that improving good financial behavior is from the level of understanding of financial literacy and the proper use of financial technology. This study implies that students can be wiser in managing finances, planning expenses, and avoiding excessive lifestyles, as well as expanding knowledge about investment to achieve higher financial literacy and good financial behavior.
Pengaruh Uang Saku dan Prilaku Hedonisme Terhadap Risiko Utang Dikalangan Mahasiswa Manajemen 2021 Universitas Buana Perjuangan Karawang Elsa Laila Listiawati; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7766

Abstract

This study aims to analyze the influence of pocket money and hedonistic behavior on debt risk among students of the Management Study Program, Universitas Buana Perjuangan Karawang, class of 2021. The method used in this study is quantitative with a quantitative descriptive. The population in this study amounted to 412 students, with a sample of 80 students selected using the simple random sampling method. Data were collected through online questionnaires and analyzed using descriptive statistics, classical assumption tests, and hypothesis tests. The results of the study show that the pocket money variable does not have a significant effect on debt risk. This indicates that the amount of pocket money students receive, both large and small, does not directly affect their decision to go into debt, because it is more influenced by how students manage their money. Conversely, hedonistic behavior has a significant influence on student debt risk, encouraging students to consume excessively for personal pleasure without considering financial ability, thereby increasing the tendency to go into debt as a way to fulfill this lifestyle. Thus, hedonistic behavior has a dominant role in increasing debt risk among students, especially when it is not accompanied by wise financial management. The R-Square value of 0.511 indicates that 51.1% of the variability of debt risk can be explained by two independent variables, namely pocket money and hedonistic behavior, while the rest is influenced by other factors outside the study model
Pengaruh Inklusi Keuangan dan Edukasi Terhadap Keputusan Perilaku Penggunaan QRIS: Studi Kasus Mahasiswa Manajemen UBP Karawang 2021 Tria Melani; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7767

Abstract

This study aims to analyze the influence of financial inclusion and education on behavioral decisions to use the Quick Response Code Indonesian Standard (QRIS) among Management students of Buana Perjuangan University, Karawang, class of 2021. The study used a descriptive quantitative approach with data collection through questionnaires from 80 respondents selected using the simple random sampling method. The analysis was carried out using multiple linear regression. The results of the study showed that financial inclusion had a significant influence on QRIS usage behavior. This indicates that adequate access to financial services and knowledge of financial products increase the decision to use QRIS. Education was also shown to have a significant influence, where students' understanding of digital transaction security and involvement in educational programs encouraged confidence in using QRIS. Simultaneously, both variables contributed 46% to behavioral decisions to use QRIS. The implication of this study is the need for educational institutions and financial service providers to improve digital financial literacy through structured educational programs and expand access to financial services. This step is expected to support the adoption of QRIS and a more inclusive digital transformation of finance
Pengaruh Pengelolaan Keuangan dan Status Perkawinan Terhadap Kesejahteraan Keuangan Keluarga di Desa Karangjaya Ayu Nuradilah; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7768

Abstract

This study aims to analyze the influence of financial management and marital status on family financial well-being in Karangjaya Village, Tirtamulya District, Karawang Regency. This study uses a descriptive quantitative approach with data collection through questionnaires from 79 respondents selected using the simple random sampling method. Data analysis was carried out using multiple linear regression. The results of the study indicate that financial management has a significant influence on family financial well-being, which reflects the importance of budget planning, spending control, and saving and investing habits in improving financial well-being. Marital status also has a significant influence, where relationship stability and cooperation in the household also encourage more rational and planned financial decisions. Simultaneously, both variables contribute 28.8% to the variation in family financial well-being. The implication of this study is the importance of structured financial literacy education and fostering marriage readiness as part of efforts to improve the economic welfare of the community, especially in rural areas.
Pengaruh Kepemilikan Manajerial dan Solvabilitas Bagi Financial Performance pada Perusahaan Industri Dasar dan Kimia Noval Andriyanto; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 7 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i7.7872

Abstract

Financial performance ref;ects the company’s ability, which is evident from the financial reports, wihc serve as aguide for decision-making by stakeholders. The purpose pf our study is to provide e,pirecal evidence on how managerial ownershif and company ability to meet is its obligations (solvability) can influencefinancial performance. The sample selection was carried out using purposive sampling,whilethe data analysis employed a multiple regression approach. Our researchfocuses on 14 basic and chemical industry companies listed on the Indonesia Stock Exchenge (BEI) during the period 2020-2024 as the object of study. This Result in the finding that managerial ownership has np effecton financial performance, but solvability has a negative impect on financial performance.
Metode Altman Z-Score untuk Memprediksi Financial Distress Perusahaan Bidang Konstruksi pada Tahun 2020 -2023 Dimas Dwi Darmawan; Ujang Suherman; Rengga Madya Pranata
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 8 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i8.7905

Abstract

The purpose of this study is to use the Altman Z-Score approach analysis to describe the level of corporate bankruptcy. This type of qualitative research uses secondary data from the financial statements of construction companies in 2020–2023. Of the eight companies, 7 companies were selected through purposive sampling. According to the Altman Z-Score analysis, a company is considered healthy if its Z-Score is greater than 2.99; a company that is at risk of bankruptcy and can be saved if its Z-Score is between 1.81 and 2.99; and a company that has a high risk of bankruptcy if its Z-Score is less than 1.8. Based on the results of the study, in the last four years, namely 2020, there were four bankrupt business entities and two business entities entered the gray zone. In 2021, five business entities had good status, while two business entities were categorized as bankrupt. In 2022, there were seven business entities that were classified as healthy. In 2023, there were seven business entities that were classified as healthy. Based on data analysis of construction companies listed on the Indonesia Stock Exchange in 2020, 2021, 2022, and 2023, as many as 70 percent of state-owned companies are bankrupt or are expected to experience financial difficulties. In contrast, as many as 30 percent of non-state-owned companies are expected not to experience financial difficulties.
Pengaruh Efikasi Diri Keuangan dan Pembelian Impulsif Terhadap Perilaku Kredit Berisiko Pengguna Shopee Paylater Ibu Rumah Tangga Perumahan Jomin Estate Elizabeth Margareta Wijaya; Ujang Suherman; Thomas Nadeak
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11679

Abstract

This research examines the influence of financial self-efficacy and impulsive buying on risky credit behavior among housewives who use Shopee PayLater in the Jomin Estate housing complex. A quantitative descriptive–verificative design was applied with 136 respondents. Data were analyzed using multiple linear regression via SPSS version 26. The findings indicate that financial self-efficacy exerts a positive and significant effect on risky credit behavior, suggesting that greater confidence in financial management may increase engagement with higher-risk digital credit. Impulsive buying also shows a positive and significant effect, implying that unplanned purchasing intensifies credit risk. Jointly, both variables explain 59.6% of the variance in risky credit behavior. These results underscore the role of psychological and consumer behavior factors and provide empirical insights into Buy Now Pay Later usage, informing efforts to promote more responsible digital credit management.
Co-Authors Aditya Duta Pangestu Aditya Wisnu Ardhana Ahmad Rifai alia candra devi Amelia Nurafiah Ayu Nuradilah Bintang R. Simbolon Camelia Yuliana Sitorus, Dea Aulia Delia Sri Wahyuni Dimas Dwi Darmawan Dimas Dwi Darmawan Dinda Cahyaning Aulia Elizabeth Margareta Wijaya Elsa Laila Listiawati Fajar Maulana Hadi Purnomo Helma Laila Putri Iis Rahayu Intan Maelani Ismail Loso Judijanto Muhamad Jaenudin Naomi Sianturi Nicko Albart Nova Laura Putri Noval Andriyanto Novita Karomah Pebi Pebrianti Rara Nuravni Oktavia Rengga Madya Pranata Reynalda Suryono Riska Ristiana Riski Febriyanti Ropina Sitanggang Rudi Setyono Setyono Salsabila Nelza Saputri Salsabila Sukandar Selvi Pebriyanti Siti Nuroh Sri Hermuningsih Syahrian Owen Sularno Teguh Setiawan Wibowo Thomas Nadeak Thomas Nadeak Tria Melani Wawan Ridwan Yoga Eko Prasetyo